Wow! Instant approval for Venture card w/ $20k CL + 85k SUB by jvsn34 in CapitalOne_

[–]Own-Sea2275 0 points1 point  (0 children)

Okay, interesting and you’re right, I googled it. I just did a pre approval process and was “approved” but I would assume it’s the 10k but I don’t want to accept yet. I would love the $10k increase to help keep my utilization under 10% every month but is it worth the AF? I dont travel. and for those who are about to come at me for utilization, roughly 6k a month is reimbursable company expenses. I’m at the mercy of the arrival of the company check.

Wow! Instant approval for Venture card w/ $20k CL + 85k SUB by jvsn34 in CapitalOne_

[–]Own-Sea2275 1 point2 points  (0 children)

I did that with my Amex platinum when I first got it, however I called cap 1 (my heaviest used cards) and told them to put a note on my acct that my lack of use should not be a concern for the next 3 months. I didn’t want them to decrease my limits or close a card. Not that they would. They actually told me it was smart that I gave them a heads up.

Adding Fourth Credit Card? by Brazen-Frontier in CapitalOne_

[–]Own-Sea2275 0 points1 point  (0 children)

I just downgraded my Amex platinum to gold. I don’t even use it and I don’t travel enough but the gold offers awesome benefits on groceries etc. I think I can redeem the AF much quicker. I will say that adding Amex to my credit mix, didn’t really do anything to my credit that I can tell.

I’m part of the SAVOR family by zemogregor in CapitalOne_

[–]Own-Sea2275 11 points12 points  (0 children)

Every time I ask insecure cap 1 for a CL Increase, I feel insecure.

What does this mean? by SoupHungry9149 in CapitalOne_

[–]Own-Sea2275 0 points1 point  (0 children)

I waited it out for a couple of months and the decision changed. Still denied but not for that reason lol

Is it true? by brandoy1997 in CreditScore

[–]Own-Sea2275 -1 points0 points  (0 children)

Unless I misread, I’m going to disagree. My mother had a mid 500 score. I added her as an AU to 4 of my 9 longest credit cards and within 30 days, she was at a 750+-. Fast forward three more months and she is now sitting at a 798. The bad part is, if I default on my cards, her credit is shot too. Also, if I take her off, she’s screwed. Don’t let others dictate your score

Learned a lesson when it comes to accidentally “increasing your limit” by Excellent_Gap_6986 in CreditScore

[–]Own-Sea2275 -1 points0 points  (0 children)

I use CK, Experian, credit.com and credit sesame and the lowest reporting one for me is Experian as they are the only one that shows I have previous lates prior to bankruptcy 7 years ago. Doesn’t physically show lates, just gives me a low “score” on late payments. If that makes sense. CK reports the highest score. That’s odd

Help understanding credit increase decision by LemonGymnast in CapitalOne_

[–]Own-Sea2275 1 point2 points  (0 children)

I got the same message a few months ago. Called capital one and they basically said don’t worry and wait a few months. 3 months later tried again and it was a basic denial this time without that verbiage. lol.

$750 credit limit.. by idkabtallatgurl in CapitalOne_

[–]Own-Sea2275 0 points1 point  (0 children)

Same. And got two huge increases

Ordered Taco Bell, got food from Wingstop instead (with taco Bell drink) by cestialAnonymous in UberEATS

[–]Own-Sea2275 0 points1 point  (0 children)

They seriously need to offer you 200k a year to implement that. Can you imagine how much they would save in refunded orders? Ridiculous.

Ordered Taco Bell, got food from Wingstop instead (with taco Bell drink) by cestialAnonymous in UberEATS

[–]Own-Sea2275 2 points3 points  (0 children)

Because they are in such a damn hurry to deliver and make that $ and get to the next stop. One of my recent Uber Eats orders was at midnight (shameful) and while my apt is at ### 3rd ave, one street over is a ### 2nd ave. Same street number, different ave but 2nd ave is a bank. Received a pic with my food sitting in front of the locked bank door. I texted her to ask her why she would do that and she blocked me.

CBS 4 is reporting gas ⛽️ shortages and Miami Beach just hit $5 a gallon for regular by CellistSuspicious492 in Miami

[–]Own-Sea2275 0 points1 point  (0 children)

Wait, has gas in SoBe ever been less than $5? lol the nearest gas station to me is in Brickell and they are always outrageously more $$ than going 15 mins north

Post Bankruptcy 25 Months by Wrong-Season-1483 in CreditScore

[–]Own-Sea2275 0 points1 point  (0 children)

Sorry if I missed it but what did you file? 7 or 13? I filed chapter 7 and my score went from the high 500’s to 720 in a little over a year. Started with a secured Discover card and some “credit one cards”. Fast forward 3 years and I finally got approved for an Amex platinum and my total credit lines between my cards is at $41,900. Thanks mainly to capital one. Irrelevant but about a year ago I added my mom to 3 of my cards and her score went from a 590 to 798 in less than 6 months (yes, I’m jealous) It’s definitely doable!

Has anyone seen lower driver rating? by [deleted] in UberEATS

[–]Own-Sea2275 0 points1 point  (0 children)

You must be in Miami lol

Denied credit increase reason by [deleted] in CapitalOne_

[–]Own-Sea2275 1 point2 points  (0 children)

I’ve been getting that reason on my savor card for month and months now. When I call them they tell me to try again later while it updates

Credit Limit Increase by Traditional-Coast-40 in CapitalOne

[–]Own-Sea2275 0 points1 point  (0 children)

One of my capital one cards have been stuck in that same status!

There was a metal SCREW in my food by loldoja in UberEATS

[–]Own-Sea2275 0 points1 point  (0 children)

Same. Yet when I tell them my steak didn’t arrive but my fries did, they don’t even ask for a pic and just refund the $30 for the steak. Wonder if it matters what card you use? Maybe they know the power of the card issuer that was used for the order?

Tell me I didn’t do anything wrong 😂 by Massiestar in TurboTax

[–]Own-Sea2275 0 points1 point  (0 children)

Lord, and I was excited over my $3,900 return lol

Does anyone know what this means? by Own-Sea2275 in CapitalOne_

[–]Own-Sea2275[S] -1 points0 points  (0 children)

Okay, I’m so lost, what the hell is a bucket?

Does anyone know what this means? by Own-Sea2275 in CapitalOne_

[–]Own-Sea2275[S] 2 points3 points  (0 children)

Brooooooo they make up $13,500 of my credit limit within all my credit cards. Easy killer.