Capital One Logic...

I currently have 2 Capital One accounts.  One has a 2k limit and one has a 4.5K limit, both are QS1 cards.  I've tried over and over to get CLI's on the cards, but was unsuccessful.  I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS.  I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k.  While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!!  Kinda pumped right now

PlasticOrPlastic wrote:
I currently have 2 Capital One accounts.  One has a 2k limit and one has a 4.5K limit, both are QS1 cards.  I've tried over and over to get CLI's on the cards, but was unsuccessful.  I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS.  I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k.  While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!!  Kinda pumped right now CapitalOne is a large company,that has many different divisions, the group that approves your CLI's is a different group than those that approves new credit cards. The group that gives CLI's has a goal of protecting the companies money, yet still earn money, if you are currently a customer and in good standing they have accomplished their job. The card division has a job of increasing the number of customers and cards held so they want to impress you with a high starting limit so you will happy and use the card and be a happy customer. Of course after a few months you will transfered to the CLI unfreindly group...   

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    Cam0215 wrote:
    Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old.  I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards.   I went years before this  paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings,  I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. Once you get nine months out from the last late payment on the account (not just a reported 30, but service charge late) they will allow a CLI if your scores are high enough. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a  nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. Yeah, Cap One is pretty strict with their reporting. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? Is the OC also reporting that delinquency? If so are they showing an unpaid balance? With Cap One, they like to see heavy usage, and low reported balances. Keep requesting CLI's online until you get some joy - you just need to get far enough away from those lates. I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again?  I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Keep trying every month - use the online link for it, don't call them. Don't worry about CLI denials, they won't be held against you in any way. JUst keep plugging away and check the denial reasons. I was getting the same thing all last year until Jan when I sarted getting "score reasons", then they tripled my limits in Feb. Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent  apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!! Right now you would only qualify for the "average credit" level Cap One cards, and they are an auto-deny for having two or more cap one accounts already. (its stated in the disclosures), so do not app for any more Cap One cards until scores are in the high 600's - then app for the "excellent credit" cards. Since you have a long history with the cards, you might try Barclays (I was approved for Barclays with 618 TU score), but wait until your last 30 day late is over 12 months old.You're actually doing fine, just need to move out a bit from those lates that occurred last year. You might also call and get them converted to QS/QS1 reward cards.

  • Capital One official sponsors of my sock drawer.

    So I have this cobranded cap1 card (union plus card). Over 18mo old with the same crappy 1k limit. Tried for a cli a while back no go. Denied because of a "lack of experience with current CL" LMAO with a 18k Amex and 8.5k discover I found it rather amusing. Ever since the luv button stated a required HP, since I was in the mortgage process I never bothered. Closed on my house last Friday, I figure what the heck,
    I'll give it a go. Tried for 4000 probably should have went higher...congratulations new limit 1200. $200 for a HP, you have to be kidding me, can't wait to see what BS the 7-10 day letter says.
    Back to the drawer, I'll use it for a new pair of socks in 6mo.
    Can't they be honest with their reasons. I know it gets very little use but with a 1k limit and 19% APR why would it. Where's the competition.

    OpenG wrote:
    *Update *
    Finally received the 7-10 day explanation letter. I asked for 4k the letter basically states that $200 is "the most they can offer". Wow this takes conservative to a whole new level. $200 after over a year of having this acct, just think in ten years a could have a 3k limit.
    I'm thinking it may not have been a HP after all, as the letter didn't include a CS or the free report option. So that's good. Just wish I had a more useful limit. I'll try again soon and see what happens.If it wasn't a hard pull, then go onto Capital One's site and apply for Venture and Quicksilver - same day should be one set of pulls (no guarantees here) 

  • Capital one venture restriction

    just started using the card, figured id put my everyday expenses on it gas grocerices pharmacy and today when i checked my accouts just to see what my tab was i noticed i had a account restriction on the new acct, i immediatly called in they verified my home phone, had me hang up and call back and verify my purchases, the whole process took maybe 5 min. and the restriction was immediatly lifted. whew!!! im imagining what if i was doing other things like on vacation major embarassing

    Yes-Its-Me wrote:
    Yeah, CAP 1 has been doing that for a while.  They do it mostly when your charge declines in the store also.  I was on edge once in a long line and the card decline at check out. When I called, they thought it was fraud and I had to hang up for them to call me back.Wow... this is surprising to hear.  In my case Capital One has never even flinched, even when they have the right to.  I've shopped at a grocery store at 2AM at a store hundreds of miles away from my billing address, and I actually expected to have to call them but it worked - just like it always does. I also recently made my an international purchase over the internet for the first time with my Capital One card; I chatted with them to let them know I was about to make the purchase, and the CSR acted confused as to why I was even bringing it up.  The int'l charge was approved, and I've used my card for small overseas purchases several times since then, all without calling and each time it's been approved. USAA, on the other hand... is a different story.  I really, really like them, but for better or worse, their security is a bit more tight.  Actually, my Capital One card is my go-to if there is ever an issue with my USAA account, since I'm usually not in the mood to call the bank when I'm at the register if I have another card I know will work.

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