OT

You should contact the CapOne Social Media Team. If their functions have not changed over the past few years, they ARE the group that can REALLY help you.

CapOne's Venture offer a few years ago was designed to aim at the upper market applicants. However it did not have the usual infrastructure to handle denial and recon. At the time we applied the cards, we had a very sizable cash deposit at the bank thanks to the very decent yield. Husband got an instant denial, literally within 2 seconds. He was super upset as his credit profile is identical to mine with the only difference being age.

The bank side was super sympathetic but they could not seem to penetrate the credit card side. We were lied to multiple times by phone reps about reconsideration until one supervisor finally told me the truth - there was no such thing called reconsideration - whatever the computer spit out, it was final. He profusely apologized for the lies fed to us by previous reps/supervisors. I was about to give up but decided to do some googling. Found an obscure site that the discussion mentioned about CapOne's Twitter team being very empowered. I signed up Twitter account specifically for contacting CapOne Social Media Team.

The Social Media Team rep contacted me within an hour after I twitted and asked for DM then gave brief details via DM. She said the team directly reported to the Exec Office and worked with many depts internally. She was very good to keep us informed. We did agree on another HP but it did not ever happen. Within 36 hours husband was approved the card with 30K CL, the highest CapOne would offer according to her.

In order to get that bonus you would need to upload your FF statement via a special webpage that requires a code to access the upload function. We would be on a cruise ship crossing the Atlantic where the internet connection would be really poor to none in the first 8 days. On top of that the deadline of submission was fast approaching. We explained this to her. She gave her direct phone number and the fax number, should we miss the deadline we can contact her upon our return.

Before our departure I wrote a long email to CapOne's exec office to let them know they have a wonderful employee working at their Social Media Team. Got the email response about the team members are the top employees picked from the organization and are empowered to solve issues.

When the ship hit Madeira, an island in the middle of Atlantic, we had good enough internet speed to check emails, found the code and uploaded the document. We also went on shore and mailed the hard copy. Upon our return we wrote a long letter to once again give our praise to the rep but also pointed out the lacking of CapOne's procedures. Dont know if it would even be read but at least that made us feel better to say a heart-felt thank you to the rep who went above and beyond to help us, and hope the management would take some notes in improving their credit card approval process if they want to compete with other banks in the major league.

It was because of this gesture, we decided to keep our cards with CapOne thru downgrading the Venture to Mastercard Reward (1% and 0.5% annual rebate). Eventually the MC were converted to QS. We have not used the cards for almost a year but now start using them again.

To be fair, CapOne's banking side has always been very good to us. Even though we no longer have large deposit with them, we continue to maintain our accounts with them. If we live in Maryland or Virgina, I 100% sure would bank with them at the branch level.