r/CapitalOne

Sorry if this is a dumb question but does Capital One have a rule about how much available credit they will give you? My income is between 60k and 65k per year and across all of my Capital One cards I currently have $17,100 available credit. Is that the max I can get on my income? Just curious cause I asked for a CLI on my Savor cause I max that out and pay it off every month but the limit is only $1,500 and I could use more on that account.

I was staying at the Hotel Amari in San Francisco for a week a couple months ago and on the second day of the week long stay I went to use the bathroom and raw sewage flooded my entire hotel room. The hotel refused to move my room or give me a refund or written refusal of a refund so I launched a dispute with Capital One.

A few months later, Capital One requested a response letter from me because the hotel told them the lie that I stayed the entire time and was completely happy with my stay. In my response I provided everything that Capital One requested and I have now just received a letter saying they aren't going through with my request because I didn't provide all the info they asked for.

I called them and explained how I did provide all the info they asked for and their final response was since I had "used" the hotel room they are unable to follow through with the dispute and that I can contact their general correspondence.

My question is, how is it possible to know that a hotel room is faulty without having used or seen the hotel room. Do you all have any tips for how I can make my case towards the general correspondence office because it seems they've got me in a catch 22 sort of situation here.

Thanks!

As the title implies I randomly decided to request an increase for my quicksilver after a year of denials and then they increased it by 3500 from 800. I also decided to randomly do my savorone too since for both cards i request them monthly on the same day and then savorone decided hey lets give this guy from 3000 to 4500 and then to 9500 in less than 3 months.

I thought capital one usually doesnt increase limits in that short time frame?

But then following up with that question as I have 5 ccs, one is just aging which i dont use at all so essentially 4. Since my spending is most likely going to remain the same each month theres going to be a cap on how high my limit will increase right for any card in general? I also have citi double cash card and costco visa card for you know costco. I just wanted to know whats the cap you guys see because theres no way i can increase amount of spending per month to get even higher limits.

Im just afraid that by the time i reach the cap then when i request again just cause im curious they will actually lower my credit limit instead cause its still almost the amount i spend per month.

Additionally my discover it card which i spend $3 a month on it increased limit from $500 to $1000 when i also randomly asked today so 3/5 cards increased not sure why or if its related to the merger but yeah those are my questions.

Was at the dealership because I got the call Capital One approved the loan and to come get my truck. Got to the dealership, did the paperwork, got to finance, started signing paperwork.

Got the call from Capital One saying the loan was good, congrats on the purchase, and went over terms.

The finance guy noticed the apartment number was incorrect, said he had to resubmit it and BAM the loan is locked and cannot get ahold of anyone at Capital One.

Went home with my original car I showed up in and put all my stuff back from the new vehicle and was told maybe tomorrow. Contacted capital One myself and they said the loan is with the Special Funding Team.

Has anyone ever had this happen and everything ending up being okay?

Hello, question will I receive an email about me hitting the 2 qualifying $500 deposits, or do I just have to wait and see if I get the bonus?

Also any confirmation if Zelle works because that’s what I did, I’ve been seeing mixed reviews on that.

I just tried to get into the Sapphire Lounge in the Phoenix airport and got rejected! Nothing is more embarrassing than getting rejected from n front of your family and friends. They say they were overcapacity and only Chase members could get in. So, if you are overcapacity why some can get in. This program from Capital One Venture X is a scam.

If my girlfriend is apart of the C1 system and refers me since I would be looking to opening a C1 QS card for the elevated $300 SUB(Received pre-approval), would I be still be eligible for the SUB and help her with referral bonus? Would I only be eligible for one?

Let me get this right… you spend $395 per year to save money?

People act like they’re earning or making a profit. How much have you actually saved with your Venture X?

Take whatever you saved then subtract $395.

Did you invest that money you saved or did you just spend more?

My point is that I don’t think people are actually saving money with all these credit card rewards. I think they’re just spending more thinking that there getting a discount when it’s just like anything else in the retail store, buy two get one free.

Recently my credit card was closed due to returned payments, and I’m trying to figure out my chances of getting it reinstated with a goodwill/reconsideration letter. The returned payments weren’t because I didn’t have the money. I have multiple bank accounts and I accidentally made payments from the wrong account several times over the past year. I know that sounds careless, and I take responsibility for it, but I’ve never actually had a late payment and my account was always current. Has anyone had success getting a card reinstated in a situation like this?

Super bummed because I like Cap1 and utilize the shopping at quite often.

I’m in Southern California, and my framing carpenter had his truck repossessed by Capital One. It contained many of his tools as well as architectural plans, mine included. I offered to help him contact Capital One in order to find out where his truck and tools are being held as well as the payoff amount, which he said he’s able to pay. I called Capital One yesterday at 1-800-946-0332 and left a clear message, and when I/we didn’t hear back, I called again early this morning and left another message. Still no response.

I waited a few hours and called another number (703-720-1000), and the switchboard operator referred me back to the same number where I had previously left two messages. I called back and spoke to her supervisor, and she suggested that I call 1-844-348-8660 and request to speak to a supervisor there. Before I had a chance to do so, the system hung up on me.

This has been a frustrating and maddening experience, and I can only imagine how difficult it must be for a carpenter who is in the field all day to make these calls and follow up. Meanwhile, I assume that his truck is racking up more fees at a tow yard.
I’m fortunate enough not to have a car loan with Capital One, and based on my limited experience with the company, I would strongly recommend that prospective borrowers reconsider using the company for their banking needs.