So, yeah, I have had this retarded ass credit card from Capital One for over a year now. It’s my first card, so it has an embarrassing credit limit of $250 rendering it virtually useless in all practical senses. Anyway, I suffered through that for a year. I called their automated credit limit increase last week, finally thinking my good behaviour would be rewarded, but was declined, and the damn machine wouldn’t even give me a damn reason.
So I called a real live person today, and after waiting an interminable amount of time, was connected to somebody named Amy. Amy explained to me that the reason I was declined was that I went over my limit on my card. I countered that it had been an erroneous charge from a cell phone company, which I had disputed, and that Capital One ruled in my favor, and gave me the money back.
Then she pulled out that I had made a late payment in April. I asked for details. She said that I paid on April 2, instead of April 1. I explained that I had made a payment on their website around midnight of that day. I had previously spoken with someone at the company, and they revoked my fee and said that it was fine. Now, apparently this fucking day late bullshit is barring me from a credit increase.
I also pulled out my other ammunition, which was that they (Crapital One) have been sending me new card offers left and right, and how come I can get those, but not get an increase on my limit? Blah blah blah, Amy said. More nonsense rules. I asked if there was anyone I could talk to in order to help me find a way around this bizarre set of overly penalizing rules. She said she could request a review from some credit expert and they would contact me in writing. Jesus fucking Christ. This shit’s impossibly arcane.
- END -
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