I barely my use my Capital One Venture card because I have been denied credit line increase on a few occasions. However, I used my card during my trip to Portugal in October, but most of what I used during that trip has already been paid. I even make extra payments and make my payments as soon as I am notified about being due the following month. Then at end of December my vantage credit score dropped by 3 points because Capital One approved me for a new card ( They won't approve me for a credit line increase for travel, but they approve me for two additional credit cards. After I called for several days trying to figure out why score went down in stead of up, I was finally transferred to a rep at Credit Wise. I have spoken to some really rude customer service reps in the past, but this rep, an African American Gentleman was so rude. When I would ask a question his tone was extremely standoffish, as if I was bothering him. He would even raise his voice, saying As I SAID SIR. After nothing was getting resolved I decided to hang up.
One of the reason's I was told that my score won't increase is because I don't use my Venture Card enough, but when I use it, my score goes down. So I end up with a being damned if I do, damned I don't situation.
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