Comments on: Captial One’s Dirty Trick http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/ Thu, 04 Dec 2008 00:43:13 +0000 http://wordpress.org/?v=2.6.5 By: Sun http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-42163 Sun Wed, 23 Apr 2008 04:53:00 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-42163 Corey: Sorry to hear your experience. It's pretty hard to fight with them if you can't show them the promotion. Can you find the card carrier that they sent to you together with the card? It usually has promotion information. If I apply for a card with web-only promotion, I always take a screenshot of the offer just in case there are problems like this later. Corey: Sorry to hear your experience. It’s pretty hard to fight with them if you can’t show them the promotion. Can you find the card carrier that they sent to you together with the card? It usually has promotion information.

If I apply for a card with web-only promotion, I always take a screenshot of the offer just in case there are problems like this later.

]]> By: corey bloomfield http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-42130 corey bloomfield Tue, 22 Apr 2008 16:52:38 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-42130 Capital One got me good and I have no way to prove it. They ran a promotion in Dec. 07 saying sign up for a capital one platinum with $300 limit and no payments until May 5th 2008. So now my balance is $555. and they say its because I haven't made payments since Dec. and they have no memory of that promotion. Does anyone have any ideas how to help? I looked through all the paperwork and cant find that promotion slip and I signed up for it on the internet. I think thats worse than what they did to Brad. Capital One got me good and I have no way to prove it. They ran a promotion in Dec. 07 saying sign up for a capital one platinum with $300 limit and no payments until May 5th 2008. So now my balance is $555. and they say its because I haven’t made payments since Dec. and they have no memory of that promotion. Does anyone have any ideas how to help? I looked through all the paperwork and cant find that promotion slip and I signed up for it on the internet. I think thats worse than what they did to Brad.

]]> By: Credit cards no problem http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-42122 Credit cards no problem Tue, 22 Apr 2008 03:46:06 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-42122 Well, the real issue is the people that have no sense of self control or ability to calculate their financial status. Just because you know where to buy crack cocaine doesn't mean you have to go buy it. The people that consistantly get into bad credit issues need to be educated. Business is business and a lot of times those letters are form letters sent to a blind mailing list. I hate it when people say that they were being targeted. I get those stupid introductory offer credit card "preapproved" hurry don't waste time offers all the time. I toss them out because I am perfectly comfortable with my three credit cards ... that I pay on time, never pay late fees and am well aware of what my credit limits are. You know why? Because I burned myself once ... paid late fees and learned my lesson. Some have to learn the hard way, worse ... others never learn. Like smokers, addicts and alcoholics, they should not blame the industries that provide thier vices but themselvs for succumbing to the temptations. They should be adult enough to know the difference. This is a prime example of what has brought this country to it's knees in a credit crisis. Americans won't take ownership over their mistakes. They need to acknowledge their mistakes and work with them. I'm tired of hearing about smokers blaming cigarette companies, undisciplined spenders blaming banks, and robbery victims blaming gun manufacturers. You need to own up to your own mistakes, grow up and face the consequenses. Be a responsible citizen and suck it up. Too many fragile people in this country. We have become a country of whiners, compainers and weaklings. The generation that is retiring now, as we speak ... they were real men and women taking responsibility in thier own hands and working hard for what we now have. Just grow up already and get on with your life. Stop blaming others. Well, the real issue is the people that have no sense of self control or ability to calculate their financial status. Just because you know where to buy crack cocaine doesn’t mean you have to go buy it. The people that consistantly get into bad credit issues need to be educated. Business is business and a lot of times those letters are form letters sent to a blind mailing list.

I hate it when people say that they were being targeted. I get those stupid introductory offer credit card “preapproved” hurry don’t waste time offers all the time. I toss them out because I am perfectly comfortable with my three credit cards … that I pay on time, never pay late fees and am well aware of what my credit limits are. You know why? Because I burned myself once … paid late fees and learned my lesson.

Some have to learn the hard way, worse … others never learn. Like smokers, addicts and alcoholics, they should not blame the industries that provide thier vices but themselvs for succumbing to the temptations. They should be adult enough to know the difference.

This is a prime example of what has brought this country to it’s knees in a credit crisis. Americans won’t take ownership over their mistakes. They need to acknowledge their mistakes and work with them. I’m tired of hearing about smokers blaming cigarette companies, undisciplined spenders blaming banks, and robbery victims blaming gun manufacturers. You need to own up to your own mistakes, grow up and face the consequenses. Be a responsible citizen and suck it up. Too many fragile people in this country.

We have become a country of whiners, compainers and weaklings. The generation that is retiring now, as we speak … they were real men and women taking responsibility in thier own hands and working hard for what we now have. Just grow up already and get on with your life. Stop blaming others.

]]> By: Credit cards no problem http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-42121 Credit cards no problem Tue, 22 Apr 2008 03:39:15 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-42121 Well, the real issue is the people that have no sense of self control or ability to calculate their financial status. Just because you know where to buy crack cocaine doesn't mean you have to go buy it. The people that consistantly get into bad credit issues need to be educated. Business is business and a lot of times those letters are form letters sent to a blind mailing list. I hate it when people say that they were being targeted. I get those stupid introductory offer credit card "preapproved" hurry don't waste time offers all the time. I toss them out because I am perfectly comfortable with my three credit cards ... that I pay on time, never pay late fees and am well aware of what my credit limits are. You know why? Because I burned myself once ... paid late fees and learned my lesson. Some have to learn the hard way, worse ... others never learn. Like smokers, addicts and alcoholics, they should not blame the industries that provide thier vices but themselvs for succumbing to the temptations. They should be adult enough to know the difference. Well, the real issue is the people that have no sense of self control or ability to calculate their financial status. Just because you know where to buy crack cocaine doesn’t mean you have to go buy it. The people that consistantly get into bad credit issues need to be educated. Business is business and a lot of times those letters are form letters sent to a blind mailing list. I hate it when people say that they were being targeted. I get those stupid introductory offer credit card “preapproved” hurry don’t waste time offers all the time. I toss them out because I am perfectly comfortable with my three credit cards … that I pay on time, never pay late fees and am well aware of what my credit limits are. You know why? Because I burned myself once … paid late fees and learned my lesson. Some have to learn the hard way, worse … others never learn. Like smokers, addicts and alcoholics, they should not blame the industries that provide thier vices but themselvs for succumbing to the temptations. They should be adult enough to know the difference.

]]> By: Dawn http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-41836 Dawn Fri, 04 Apr 2008 21:44:08 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-41836 Capital One sucks, they gave me a credit card with a low limit, I wanted to reestablish credit, I was put on bed rest and couldnt work, they wouldnt work with me. It was eventually sent to collections, they wanted $165 a month, of which was mostly interest. I couldnt pay that, I tried to give them a lesser amount, they wouldnt accept it. Long story short, the garnished my wages, not monthly but all $1300 at once, now I cant pay my rent, utility bills or even put gas in my car to go to work, and I have to pay hundreds of dollars in over draft fees to my bank, think twice, is it worth it??? All I have to say is they are making money off of people that dont have it to begin with, now I am looking at an eviction notice and having my utilities turned off for $300. Capital One sucks, they gave me a credit card with a low limit, I wanted to reestablish credit, I was put on bed rest and couldnt work, they wouldnt work with me. It was eventually sent to collections, they wanted $165 a month, of which was mostly interest. I couldnt pay that, I tried to give them a lesser amount, they wouldnt accept it. Long story short, the garnished my wages, not monthly but all $1300 at once, now I cant pay my rent, utility bills or even put gas in my car to go to work, and I have to pay hundreds of dollars in over draft fees to my bank, think twice, is it worth it??? All I have to say is they are making money off of people that dont have it to begin with, now I am looking at an eviction notice and having my utilities turned off for $300.

]]> By: jonboy http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-29449 jonboy Tue, 27 Nov 2007 05:30:01 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-29449 Actually, you don't have to have bad credit to get a $300 credit limit from Cap One. I know; I just got one. Laughed out loud when I saw that limit. Actually, you don’t have to have bad credit to get a $300 credit limit from Cap One. I know; I just got one. Laughed out loud when I saw that limit.

]]> By: The Sun http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-7430 The Sun Fri, 20 Apr 2007 17:43:39 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-7430 I think the story here is not really about the low credit limit they have, but rather Capital One, while knowing that they are having trouble paying off the card they already have, keeps offering them new card and watch them get deeper into debt. The card user in this card is responsible to his trouble, but if Capital One stops luring them with more easy credits, could they be better off? I think the story here is not really about the low credit limit they have, but rather Capital One, while knowing that they are having trouble paying off the card they already have, keeps offering them new card and watch them get deeper into debt. The card user in this card is responsible to his trouble, but if Capital One stops luring them with more easy credits, could they be better off?

]]> By: Kevin http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-7392 Kevin Fri, 20 Apr 2007 14:59:50 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-7392 No offense but this is a poor story to point out Capital One 'dirty trick'. $300 credit limit? They must have had a negative credit rating. Basic finicial management is common sense - these people didn't have any of that. No offense but this is a poor story to point out Capital One ‘dirty trick’. $300 credit limit? They must have had a negative credit rating. Basic finicial management is common sense - these people didn’t have any of that.

]]> By: Fool Me Once …… - The Sun’s Financial Diary - Accumulating wealth is like building The Great Wall, one brick at a time http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-535 Fool Me Once …… - The Sun’s Financial Diary - Accumulating wealth is like building The Great Wall, one brick at a time Fri, 08 Dec 2006 21:13:18 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-535 [...] Captial One’s Dirty Trick [...] [...] Captial One’s Dirty Trick [...]

]]> By: The Sun http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-526 The Sun Fri, 08 Dec 2006 04:05:56 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-526 "Fool me once, shame on you. Fool me twice, shame on me." It's hard to imagine that these people kept taking the baits and then complained that Capital One kept offering them. Nobody forced you to take it. “Fool me once, shame on you. Fool me twice, shame on me.” It’s hard to imagine that these people kept taking the baits and then complained that Capital One kept offering them. Nobody forced you to take it.

]]> By: hustlermoneyblog http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-523 hustlermoneyblog Fri, 08 Dec 2006 02:46:29 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-523 damn..that's why i can't stand credit cards..haha..tell those folks to visit my website and i'll show them how to take take CC's lunch money. damn..that’s why i can’t stand credit cards..haha..tell those folks to visit my website and i’ll show them how to take take CC’s lunch money.

]]> By: Golbguru http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-511 Golbguru Thu, 07 Dec 2006 16:46:55 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-511 i meant "put you in a hole" i meant “put you in a hole”

]]> By: Golbguru http://www.thesunsfinancialdiary.com/personal-finance/captial-ones-dirty-trick/#comment-510 Golbguru Thu, 07 Dec 2006 16:46:07 +0000 http://www.thesunsfinancialdiary.com/2006/12/06/captial-ones-dirty-trick/#comment-510 Well its a capitalist world and Cap One is no differet. I am not surprised Cap One tried to push more cards to the guys. What is dissapointing is to see these people take the bait. It's not rocket science to understand that if you have $300 credit limit...going above that will put you in a whole. But as they say..common sense is most uncommon :) Well its a capitalist world and Cap One is no differet. I am not surprised Cap One tried to push more cards to the guys. What is dissapointing is to see these people take the bait. It’s not rocket science to understand that if you have $300 credit limit…going above that will put you in a whole. But as they say..common sense is most uncommon :)

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