Capital One 18 Months?

Mark200

Hi all anyone else found this problem?

I was lucky enough to find one of the 18 Month 0% forms :j
about 3 months ago. Applied rescently as my egg card is due. Cap 1 have sent back a new application forms as 'they had problems with the application'. This one offers only 9 months @ 0%. Spoke to Cap 1 and they say its due to my credit check that they couldn't offer me 18 months. This dosn't ring true to me, they wont/haven't said what my credit limit will be yet. I cannot see how the credit check would affect the time the 0% is offered only the amount offered.

I asked if they had withdrawn the offer or if anyone else was being offered 18 months, I was told they were still offering the 18 months to some people :mad:

Any helpful hints as to how to get it to 18 months.

Thinking of appling to Virgin as I feel as if I have been conned. and the time its taken as Egg is due 1st Sept.

neilh_3

Thsi is exact same answer my mrs got when she tried to get the 18 month offer. The letter said something like "due to a processing error we do not have all the info we reuire to proceed with the application" but then proceeds to say apply for the 9 month one instead by just signing the form as they obviusly have all the info they require!!!!

I smell a rat. Why can't they just say no your not getting it rather than coming up with some stupid excuse which is so see through its unreal.

Neil

jeeves_2

Mark200 wrote:

Hi all anyone else found this problem?

I was lucky enough to find one of the 18 Month 0% forms :j
about 3 months ago. Applied rescently as my egg card is due. Cap 1 have sent back a new application forms as 'they had problems with the application'. This one offers only 9 months @ 0%. Spoke to Cap 1 and they say its due to my credit check that they couldn't offer me 18 months. This dosn't ring true to me, they wont/haven't said what my credit limit will be yet. I cannot see how the credit check would affect the time the 0% is offered only the amount offered.

I asked if they had withdrawn the offer or if anyone else was being offered 18 months, I was told they were still offering the 18 months to some people :mad:

Any helpful hints as to how to get it to 18 months.

Thinking of appling to Virgin as I feel as if I have been conned. and the time its taken as Egg is due 1st Sept.

hello. i applied for the 18mnth in the middle of may...to date i still havent recvd my T&C's to sign. they claim they have been sent twice and still waiting.
i hope they dont try to pull this one off with me....
C1 are the slowest at processing applications and have the worse CS team i've ever come across.
J

dealseeker

Seem to be a few posts where they renage on the deal in the way described above so there must be something wrong with Capital One processing.

For the record : I applied in June and got all processed no problem. I got a good credit limit too ... better than expected and all covered by balance transfers.