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Unread 11-09-2008, 11:43 AM   #1
braddahBAMBU
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Default Capital One.. wow

On the real, these guys are the biggest thieves in the credit card game. i have a few and these other companies are on it. They don't B.S. you with hidden stuff. As for Capital One.. their website is down every night from the moment i finish work til like 8am.. which is when I get up to go to work -_-

Couldn't pay my bill for the last like 4 days cuz of website being down for maintenance.. and now they hit me with the late fee/overage charges because the interest+late fee made me go over the limit.. im like wtf.........................

i cutted up the cap1 card like 2 months ago just trying to zero out the balance but these guys keep fuccn with me.. anybody else have them and hate them? shit
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Unread 11-09-2008, 11:57 AM   #2
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call their customer service line and b!tch.
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Unread 11-09-2008, 12:06 PM   #3
braddahBAMBU
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hey wow.. it works.

lol.. i dont usually complain about services and stuff.. this was the first time i ever bust the ***** and wow it works.. the guy just heard my complaint and was like alright i'll take it off.. im like chee hu..

apparently wasnt my interest.. was some hidden protection plan crap for like 5 bucks.. lol god damn times are hard.. but nahhh manini one speed.

straight debit already hahahaha
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Unread 11-09-2008, 12:17 PM   #4
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Yeah, I hated Capital One. They sucked ass. Sly bastids.
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Unread 11-09-2008, 12:18 PM   #5
braddahBAMBU
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lol.. im just trying to clear out everything and just get me the costco amex.. they gave my dad a free case of water with his card.. lmfao..

nah.. just really good benefits.. only reason I got capt. 1 was for gas card and build points for an ipod lolz
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Unread 11-09-2008, 12:21 PM   #6
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That's not a good reason now. Some of the gas card offers are pretty nuts. I think shell offers 38 cents off a gallon with thier card.

As for the Costco Amex, it's good if you shop a lot over there.
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Unread 11-09-2008, 12:30 PM   #7
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Hmmmmm. My Capital One gives me no problems.
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Unread 11-09-2008, 12:33 PM   #8
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Quote:
Originally Posted by braddahBAMBU
hey wow.. it works.

lol.. i dont usually complain about services and stuff.. this was the first time i ever bust the ***** and wow it works.. the guy just heard my complaint and was like alright i'll take it off.. im like chee hu..

apparently wasnt my interest.. was some hidden protection plan crap for like 5 bucks.. lol god damn times are hard.. but nahhh manini one speed.

straight debit already hahahaha

if you didn't call up and b!tch , you'd be the only loser--you would lose that $ + your credit gets affected. you have to get over that "i not gonna b!tch" attitude cuz sometimes all it does it fcuk YOU up.
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Unread 11-09-2008, 12:36 PM   #9
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I got rid of my Capital One cards for my BofA Hawaiian Miles Card. Love the rewards and deals offered from them.
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Unread 11-09-2008, 12:55 PM   #10
braddahBAMBU
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Well i had capital one like a year an half ago so yeah.. lolz.. wasnt when all this economic crap started happening. I had good credit til i lost my old job.. damn.

anyways yeah the amex @ costco is good.. I will be shopping there choke.. lolz.. im gonna be living with 4 of my boyz in O'ahu.. costco every week lol
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Unread 11-09-2008, 01:08 PM   #11
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I also have capital one but I'm working on paying it off and close it. The reason is because they don't report your credit limit to the credit bureaus, and because of that, the credit bureaus interpret it as if the card is maxed out at all times no matter if your balance is 10 grand or 10 bucks. Not good for credit score.
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Unread 11-09-2008, 01:11 PM   #12
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Oh yeah and the website is down a lot but I pay my card twice a month so I usually catch it when it's running good.
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Unread 11-09-2008, 01:12 PM   #13
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Quote:
Originally Posted by braddahBAMBU
hey wow.. it works.

lol.. i dont usually complain about services and stuff.. this was the first time i ever bust the ***** and wow it works.. the guy just heard my complaint and was like alright i'll take it off.. im like chee hu..

apparently wasnt my interest.. was some hidden protection plan crap for like 5 bucks.. lol god damn times are hard.. but nahhh manini one speed.

straight debit already hahahaha
I dont have captial one but I have BOA. I had to call customer service 3 times cuz of their f up and they took off the late charges and crap.

If you have a logical complaint, they'll take the charges off. Doesn't hurt to try.
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Unread 11-09-2008, 01:17 PM   #14
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Quote:
Originally Posted by Nick
I got rid of my Capital One cards for my BofA Hawaiian Miles Card. Love the rewards and deals offered from them.
you mean the bank of hawaii hawaiian miles credit card?
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Unread 11-09-2008, 01:21 PM   #15
braddahBAMBU
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Quote:
Originally Posted by turbolence75
I dont have captial one but I have BOA. I had to call customer service 3 times cuz of their f up and they took off the late charges and crap.

If you have a logical complaint, they'll take the charges off. Doesn't hurt to try.
i just did.. chee hee.. guy was cool bout it.. cuz damn if it wasnt for all these late fees/over limit crap i would've been @ zero balance already

only thing i was mad bout tho was he forwarded me to financial support to cancel some stupid subscription they added for me and then the department was closed.. wtfff
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Unread 11-09-2008, 01:29 PM   #16
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Quote:
Originally Posted by radopps
you mean the bank of hawaii hawaiian miles credit card?
theres also a bank of america hawaiian miles card. I have the same card.
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Unread 11-09-2008, 02:07 PM   #17
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I have no credit. Wanna buy a H2 or SRT8 all paid for(i couldnt quailify for the loan so had to buy it cash)?
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Unread 11-09-2008, 02:11 PM   #18
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i need to consolidate my debt!!!
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Unread 11-09-2008, 02:40 PM   #19
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Quote:
Originally Posted by radopps
you mean the bank of hawaii hawaiian miles credit card?
No. B of A had offered one a few years back. I got mines then when it was offered. I think it was in 05 when I got it.
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Unread 11-09-2008, 02:51 PM   #20
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OP, ever heard of karma..? stoopid stuffs happens to st00pid people.

praise be to fh
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Unread 11-09-2008, 03:02 PM   #21
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zff doesn't believe in karma.
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Unread 11-09-2008, 04:40 PM   #22
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Haha... yup. Stupid stuff happens to stupid people all the time, and it has nothing to do with karma.


...and back to topic...

It's been my experience that credit card companies are very accommodating. You just have to call them. I've never had a debit card, but I've heard they are very unaccommodating. That's why, if you can control your spending, credit cards are by far the way to go.
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Unread 11-09-2008, 06:58 PM   #23
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Quote:
Originally Posted by zff
Haha... yup. Stupid stuff happens to stupid people all the time, and it has nothing to do with karma.


...and back to topic...

It's been my experience that credit card companies are very accommodating. You just have to call them. I've never had a debit card, but I've heard they are very unaccommodating. That's why, if you can control your spending, credit cards are by far the way to go.

I have NO credit, spend way too much. I am kinda pissssed at the good credit people right now. Since the economy tanked, the good credit people are defaulting by the millions and now "US" NO Credit guys that pay my bills cannot buy as easy cause the banks are making it hard for Unverified,stated income peeps. Just weird.

A dude like me with no job,no credit,etc with 20-30% down cannot get a loan.

Like i said, i cannot even get a $1000 credit card, shitts i cannot even buy my OWN car that i own already. lol
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Unread 11-09-2008, 10:38 PM   #24
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actually, the people with the good credit arent the ones defaulting on their loans, hence why they're calling it the sub-prime crisis (sub-prime meaning low credit and/or little credit history). The people with good credit (say score of 780+) are the not the ones with the $0 down ARM loans, are the ones with the savings, and are the ones throwing 20-30% downs.

I dont mean to single out bambu either, but they're also not the ones having trouble making payments, maxing their cards, having to cut up credit cards, having to downsize the # of cards, etc.

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Unread 11-09-2008, 10:49 PM   #25
braddahBAMBU
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ah.. i guess i no make the cut.. my FICO is mid 700's.. but i'm only 20 so i hve a long way to go. Just alot of mistakes I made like rushing to get credit under my belt by jus grabbing onto whatever CC's i could get at the time.. but now I learn to shop around for CC's first

I just cut up capital one cuz it isn't i have trouble making payments.. it's just whenever I purchase something they always find a way to fock me over.. and i pau.. i figured my orchard card would fock me over first since cap1 is the bigger company.. but guess not.. orchard=been so good to me.

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