Can someone list the better offers they know of for low rate balance transfers or ongoing low rates? I have a Cap One already but im looking for another company to deal with.

Thanks.

[quote]
bogey.. good for you.
Disclaimer... increased limits means that the credit card company likes you. Please don't indulge in the increase in credit!
[/quote]

so, no new car then?

LOL

hmmm... Raymond...???
How did you know that I have lost 50 pounds on my weight loss so far?!! No more donuts is right.. UFC... well.. that's another story.

Rummager... congrats on the 803 credit score.. That's pretty sweet!
That's what everyone should aspire for

bogey.. good for you.
Disclaimer... increased limits means that the credit card company likes you. Please don't indulge in the increase in credit!

since we last left our credit hero..... LOL

my PC MasertCard limit has been increased from $2500 to $3500 and I now have an AmEx card for my business with a limit of $3500

I am wondering if CapitalOne will increase my limit again as it's been over a year since I've had their card

keep getting those credit cards (even secured ones) and keep on making payments and you'll get limit increases and new credit cards quickly

Well, tonight it was another fight with a different UFC champ for Fedor but the same result. Fedor demolished recent 2 time UFC champ Tim Sylvia in 36 seconds! Thus he remains the only undeafeated heavyweight (or maybe any weight) MMA fighter in the world. (Forget that administrative Pride loss - it was only a loss as far as the books go.)

When asked who he would like to face next, he said if Randy Couture couldn't make it, he would eagerly like to face Monty Loree. OK, no more doughnuts and ice cream Loree; it's time to get in shape! Try not to hurt him too badly.

Ray

Another bump along the fun roller coaster ride known as life :)

A few more months have come and gone and I decided its a good time as any to check my credit history with a solid credit check!

A bit bumpy to get it all sorted out at first with the registration hassle, but eventually got rolling with an equifax credit check that lead to a very big smile on my face.

FICO score of 803 (averaging with a graph that they use they start at "up to 549" and stop at "up to 850+", with a nice little graph that places me just a little below the top :D). They also graph about 8 groups and where the rest of the population stands with this company and it seems I'm in a 24 percentile grouping thats 47ish points below the 5% percentile grouping of 850+

Its only one reporting agency in Canada, but I'm proud with it for now, maybe 3 months from now I'll pay again and do a different company, and again with the 3rd company even further down the road.. not sure. (P.S. 3 main credit reporting agencies that I'm aware of).

Anyways, with such a good FICO I'm wonder if theres any steps I should take to go a bit further, a new/used car would be nice but its not needed.. nor any other huge purchases at this time but very confident I could take my FICO into a bank and secure a decent loan if needed to help with buying anything if the need does arise.

But I'm curious, as mentioned in previous posts I have CIBC Visa with a very healthy credit limit, but my secured capital one card (about 3 months ago) had a credit limit increase of 200 or so. Its pretty low for what I think I should have, should I bring this to their attention? Ask if I can get my deposit back on this card or have my deposit transfered as credit owed to a (new/same?) card that i can just spoil myself on some random goodies? Maybe see about having my card consolidated into a new one?

Or just don't touch anything and keep rolling with the good times and hold onto my secondary shoddy card? :D

P.S. Thanks for any advice/tips from here and beyond. (Going to check a few replies down about those other capital one cards listed just to see whats available with them...)

yes, that is great news
it does seem that 'credit begets credit'
I had a cap1 unsecured card w/ $750 limit and just over 1/2 yr. later it jumped to $4750
now I have a PC card for $2500 and an Amex card for $3500

I am making sure to pay each one BEFORE any interest is charged and this seems to make a big impact on them, or so I am told by the CSRs

pretty soon I will have too much credit...
LOL

Hey Rummager,
Nicely done.. it takes time to build up your credit again, and I'm glad that the Capital One secured credit card was to help..

I think Vitzbitz's example is a good one. If you keep good credit for a period of time, they'll start to increase your limits.

The Capital One secured credit card is a tool to help you build your credit score. Because it's higher risk, they're going to charge higher interest rates and service charges.

Capital One also has the prime +0.9% (6.15%) card but you need to have really good credit to be accepted.

http://www.canadian-money-advisor.ca/capital-one-canada.html

Both myself and a co-worker applied for and received secured Cap1 cards back in September '07 (I got the $750 limit/$75 deposit, he got the $300 limit/$300 deposit card), both FICO scores then in the vicinity of 600.

No late payments, no overlimits on either card to date. My credit score had climbed to 700 +/- and his was 600 +/-. Last month both cards saw their limits increased by $1,000 each (to $1750 and $1300 respectively), which is approx 7 months after they were issued.

I've had no problems with them in general, but truthfully aside from using the card and paying the bills I've had no contact with them (no disputes, no contact with customer support).

Just figured I'd add my two cents to the thread.

Well just hit the one year mark a few days ago, with this card I was given a yearly fee of 59.00.

Since I never received any APR reductions or increases, I composed a message via their online banking instant messaging service with Capital One. Just received a message back and that seemed to get the ball rolling. Got a $250 increase on top of my measly 300.. its not much but still a card that i can use as a reporting agency to show my good payment history and standing with them so I'll stick with it.

In the message I composed I mentioned APR reductions and they said to call a CSR of Capitol One via a phone number provided. Just got off the phone a bit ago and although my payment history has been 'outstanding' I wasn't up for an APR reduction at the time (it seems they have accounts that are flagged throughout the year based on standing, that could be eligible for these bonuses if you call in at the right time?).

The good news is he dropped a notation on my account supposedly and with continued use/good payments I should have another review of my account with in a month or two?

Afterwards, since I couldn't get an APR reduction, he supposedly slashed my due fee for the card, (Above mentioned 59.00) in half and I just have to pay that at my convenience... so $29.50? Not bad for a random phone call and private message sent to Capital One :D

Overall, though the card itself has a very low limit, I would still recommend it to people starting out trying to work with their credit.. Haven't got my deposit back that I opened the account with, but its there I'm sure if I cancel.

P.S. Based on this account/card I have, and my other bills I pay on time, just applied for a CIBC Visa Select through the bank I have a checking account with. Was approved and now have a secondary card to keep me going with. This limit on the card has a $6,500. So a huge step for myself, though its not capital one, I believe it helped in the end :)