CAPITAL ONE EO OFFICE 2ND INCREASE REQUEST

**HELLO ALL.I've decided to ask Captial One for another manual review. This first one was requested in March.
Since I got another CLI w/Overstock yesterday and my scores jumped 30 to 45 points...why not ask again?________
Sent March 2014...Denied...will let you guy know of the outcome...I've also opened a savings account with Cap1 a few months ago.____Hello,Well I've sent an email to the Executive office about 1 week ago.  Well they called me back on both Cell and office phone.
I just go off the phone with a nice lady and she went into great detail about my email and my Credit Cards (3) with them.
As we went through all cards individually, I was asked the following info:1. Income
2. Employment
3. Informed of Soft Pull
4. How much I wanted and if I was willing to accept an amount that was less than what was requested.
5. Rent/Mortgage paymentShe kept thanking me through out the conversation and was informed that all three emails were sent to their underwriting department for review.
I can call her about 4-5 days of the pending outcome.... I will let you guys know...keep your fingers crossed... Cap1 Plat $1,100
Cap1 QS $750
Cap1 Sony $750
Cap1 Auto $16,000
Avant personal loan $2,100
Overstock $1,200
Khols $300
Von Maur $300 **UPDATE 7/2015
Cap1 Sony $2,000 (increase received)
First Savings Credit visa $500
Overstock $1,800 (increase received)
Von Maur $500 (increase received) Scores in March when email was sent 600/579/600  Now 635/618/645

yoyo wrote:
Spoke w/EO office..they said to continue montior ...they said i should be approved because I'm a good customer and make plenty of payments. They said that it could take
more than 2-3 days...so i'm thinking after my next statementThat's good to hear.  I reread your posts and it seems from a FICO standpoint we are in the same basic area. I do have one score, Equifax, nearing 660 (it's at 658), and it seems as if that threshold is of some signficance.  But I plan to try your approach and see what happens. I'll say this about Fico in general:  while I'm not whining nor feeling sorry for myself, I honestly truly don't think it reflects me or my risk profile.  I had credit from 1992 to 2008 without so much as a 30 day late the entire time.  Completely clean tradelines on credit cards and car loans.  The world fell apart in 2008 and I lost a huge amount of salary, fell way behind on bills and took money out of my retirement plans to try to stave off bankruptcy.  In retrospect, I should have declated bankruptcy then and I'd be free and clear today, but I thought I was doing the 'right thing' and I was dead wrong.  
But now I'm in this situation having gone nearly four years without a major late (one 30 day late about 20 months ago).  So from 2008 to 2012 things were really bad...four years out of a 22 year credit history when the world was ina  horrible recessiion and I was caught up in at at the wrong stage of life. But my scores are still horrible and likely will be for some time.  I'm hoping this direct approach will allow a creditor to see that my body of work, while hardly perfect ,is not one of a guy who spends recklessly or walks out on his bills.  To the contrary, one fo the reasons I'm so far behind still was taht I didn't want to screw my creditors and think it's important to pay back everything I owe, which I have now with the exception of the tax lien. Rant over.

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  • OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

    ‎**DECLINDED DUE TO ; RECENT CLI WAS IN MARCH....AND THE 3RD ACCOUNT WAS DECLINDED DUE TO "TOO MANY REVOLVING NEW ACCOUNTs"...Oh well...will try again in October. Just trying to bring up my score  to a refinance auto loan w/credit union... ____07-20-2015 11:58 AM **HELLO ALL.I've decided to ask Captial One for another manual review. This first one was requested in March.
    Since I got another CLI w/Overstock yesterday and my scores jumped 30 to 45 points...why not ask again?________
    Sent March 2014...Denied...will let you guy know of the outcome...I've also opened a savings account with Cap1 a few months ago.____Hello,Well I've sent an email to the Executive office about 1 week ago.  Well they called me back on both Cell and office phone.
    I just go off the phone with a nice lady and she went into great detail about my email and my Credit Cards (3) with them.
    As we went through all cards individually, I was asked the following info:1. Income
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    3. Informed of Soft Pull
    4. How much I wanted and if I was willing to accept an amount that was less than what was requested.
    5. Rent/Mortgage paymentShe kept thanking me through out the conversation and was informed that all three emails were sent to their underwriting department for review.
    I can call her about 4-5 days of the pending outcome.... I will let you guys know...keep your fingers crossed... Cap1 Plat $1,100
    Cap1 QS $750
    Cap1 Sony $750
    Cap1 Auto $16,000
    Avant personal loan $2,100
    Overstock $1,200
    Khols $300
    Von Maur $300 **UPDATE 7/2015
    Cap1 Sony $2,000 (increase received)
    First Savings Credit visa $500
    Overstock $1,800 (increase received)
    Von Maur $500 (increase received) Scores in March when email was sent 600/579/600  Now 635/618/645

    I am glad you posted this - I'm sorry they said no, but this will help ease the perception that EO is a magic wand and you'll call them and get a CLI! Generally with Capital One it's 6 months between increases - EO or not. That's just their policy. There are exceptions but usually requesting before then is a waste of time.

  • Capital One Executive Office - no response to my emails

    I sent the Capital One EO a very nice email two days ago, requesting CLI's on both of my cards. I have yet to receive a response. Should I just call them instead?  Here's the email I sent:
    Hello Capital One! I've been with the Capital One family for about 10 months now. I appreciate the company extending credit to me, and use both of my Capital One cards on a regular basis. I have several other credit cards that I can use, but I prefer to purchase with my Capital One card when I can because of the great cash back no-hassle rewards.  I started with a Platinum card, and a couple of months later applied for a Quicksilver One card. Recently I have upgraded my Platinum card into a Quicksilver One card, so I'm earning cash back with both now- something I'm very happy about.  The only trouble I have with my cards are their very low limits. I started both cards in the Credit Steps program, and both limits are only $500. I have to make several large payments every month to keep my credit under the limit, and I have to be very careful about staying below 30% utilization before my statements generate. Honestly it's a bit of a pain to make sure I have enough available credit, and I pay the bill often enough to keep my balances low.  I am respectfully requesting to have my card limits raised to $2000 each. This will allow me to charge the amounts I need, without having to make several payments every month.  I would greatly appreciate a followup to this email. I can be reached via phone at xxx-xxx-xxxx

    DeeBee78 wrote:
    I sent the Capital One EO a very nice email two days ago, requesting CLI's on both of my cards. I have yet to receive a response. Should I just call them instead?  Here's the email I sent:
    Hello Capital One! I've been with the Capital One family for about 10 months now. I appreciate the company extending credit to me, and use both of my Capital One cards on a regular basis. I have several other credit cards that I can use, but I prefer to purchase with my Capital One card when I can because of the great cash back no-hassle rewards.  I started with a Platinum card, and a couple of months later applied for a Quicksilver One card. Recently I have upgraded my Platinum card into a Quicksilver One card, so I'm earning cash back with both now- something I'm very happy about.  The only trouble I have with my cards are their very low limits. I started both cards in the Credit Steps program, and both limits are only $500. I have to make several large payments every month to keep my credit under the limit, and I have to be very careful about staying below 30% utilization before my statements generate. Honestly it's a bit of a pain to make sure I have enough available credit, and I pay the bill often enough to keep my balances low.  I am respectfully requesting to have my card limits raised to $2000 each. This will allow me to charge the amounts I need, without having to make several payments every month.  I would greatly appreciate a followup to this email. I can be reached via phone at xxx-xxx-xxxxI think you just need to wait several more days.  I've read that the EO office can take a week or so to reply but that they do eventually reply.

  • Capital one EO office number change.

    Tried calling today because I have an issue with a CLI that they were working on. I dialed the number 1-800-955-1455 that CreditAddict posted and it worked a few days ago. Today it goes to the call center. 

    nursepower wrote:
    Tried calling today because I have an issue with a CLI that they were working on. I dialed the number 1-800-955-1455 that CreditAddict posted and it worked a few days ago. Today it goes to the call center. Mentioned in a few other threads, including the limit combination one. The EO number here has been overused and has now been assigned to regular CSR.  Seems that's the case with FB reps as well. Just that they type a bit better.

  • Capital One EO CLI!!!

    So I recently got my Cap One QS card with a $500 limit. Initially upon opening I had to send verification of address and SSN. Well I was approved with pretty much bad credit including bk7 from 2010 and other silly collections. So after about a month I requested a CLI with EO office and no sucess and was told to try back in a few months I am in the credit step program.  So I tried again online last week and they said they will review so I immediatley called the EO office and was told that it was denied because of too many inquiries...and all the other negative things. But I told the woman the form online said they tried to contact me I guess I had an alert. So I was advised to take the fraud alert off my report which I called and did and called them back for a manual review.  After three days I went online and seen they had a request for proof of income verification I had put $126k. I sent paystubs from one job, a letter from the other and bank statment showing total deposits...blah blah blah.... soooooooo just a minute ago I decided to double check my cap one account and I was hoping I'd fall out of my chair since I felt like chances were good since they requested additional information.  AND GUESS WHAT!!!! BAM $ 1500. LOL it may not seem like much to some but it sure was for me since that card was over limit (dont ask or judge).  So I am super excited now! and thats my story lol. 

    Littlewing745 wrote:
    DrZoidberg wrote:
    Littlewing745 wrote:
    DrZoidberg wrote:
    Thing is majority of the people skip the CSR and go right to the EO. The reason we shame it is because the executive office is for serious matters such as identity theft, wrong credit reporting information, fraud charges or account closure issues. It's not for getting a $500 on a platinum card. Ever notice the majority of people using EO is for a ridiculous CLI of no more than $1-2k? This is going to lead to the EO shutting down numbers and emails for people who actually need it.  I think of it like this. Would you skip over your manager and their manager and go straight to your CEO to ask for a raise? Probably hell no.Yes, I understand the point being made, however, consider the following: - myFICO is a small sample size of the MILLIONS of people who have access to the EO. We often convince ourselves on this forum that we're evidence of trends - but we're not. Reason being is...- we're also self-selecting. These is a particularly aggressive, educated group of consumers - not Joe Blow. Half the CSRs don't know what strategies are commonplace here.- you very well may also be hearing about the CLI contact more often than its actual frequency as compared to other issues (highly likely, in fact)- if the EO truly had no interest in ever dealing with CLI...they just wouldn't. The precedent for credo card companies telling us to shove off is pretty tangible.  Just try try to keep in mind - as I've said on other topics - the world of credit is almost entirely YMMV. Seems very arrogant to me that some myFICO forum folks have decided they know all the "rules," when the rules in most cases are just unwritten policies that change as the wind blows. The EO email and number is not publicly available. Is it on their Cap 1 site under contact us? No. When you Google "Capital One Executive Office" this site is the first hit. This site is also linked in FlyerTalk Forums and Reddit. These sites can reach globally. So please, see the bigger picture than the same 10 people who post in threads. And this site is notorious for assisting in getting things stopped or shut down. The Duck card, the Discover CLI, the Cap 1 EO and a few others. I know people won't stop using it for a useless CLI on a card but that means I can't stop posting my distaste for it. I'm not going to argue with you. You're entitled to your opinion - regardess of if I agree or not - but I'm just trying to point out the other side. This is a great site for information, and you're right: it's very informative and influences are fair number of people. However, your very argument is ironically a precise example of what I'm saying: you think what happens on this site is exclusively responsible for those issues. Seems arrogant to me. Agree to disagreePlease read again. I said this site assists. I did not say "exclusively" as you suggested. If you're going to make an argument, don't falsify what I say when it's in plain text.

  • Another Capital One Increase...This time an increase of 4K!

    Background: I opened my Capital One Quicksilver One card in February of this year with a SL of $500 and requested an increase in April. I was automatically approved for a $1,000 increase.  Fast foward to last Saturday night (7/11/15) I decided to try for another CLI because I was nearly maxing out every month on my $1,500 credit line. I needed the ability to make more purchases as well as keep my utilization down. I applied online and received the 2 -3 business day notice. So Monday (7/13) I e-mailed the EO stating my request, my desired increase ($4,000), and reasoning for that desired increase. Yesterday (7/15) I received a call from a very nice woman from the executive office. She asked me a few questions, verified some information, and told me she would be sending my request to the underwriters. She said I would hear something back in 7-10 business days. This morning (7/16) I logged into my account and my credit limit is now $5,500! I am beyond happy with the quality of customer service and the quick turnaround. I'm also enrolled in the credit steps program.  I am due for an automatic incease after my 5th payment. I just made my 5th payment a few days ago and my statement closes tomorrow! I'm curious to see if I'll get that increase as well. I would assume yes, but I'll have to wait and see.  Extra info: I pay my high balances down every month leaving about 1 to 2% utilization reporting on my card.In my EO letter I mentioned that a $5,500 credit limit would match my Discover It credit line (just started reporting) 

    OmarGB9 wrote:
    Grats on the huge cap1 luv!Thank you!

  • Another Capital One CLI! !!This time an increase of 4K!

    Background: I opened my Capital One Quicksilver One card in February of this year with a SL of $500 and requested an increase in April. I was automatically approved for a $1,000 increase.  Fast foward to last Saturday night (7/11/15) I decided to try for another CLI because I was nearly maxing out every month on my $1,500 credit line. I needed the ability to make more purchases as well as keep my utilization down. I applied online and received the 2 -3 business day notice. So Monday (7/13) I e-mailed the EO stating my request, my desired increase ($4,000), and reasoning for that desired increase. Yesterday (7/15) I received a call from a very nice woman from the executive office. She asked me a few questions, verified some information, and told me she would be sending my request to the underwriters. She said I would hear something back in 7-10 business days. This morning (7/16) I logged into my account and my credit limit is now $5,500! I am beyond happy with the quality of customer service and the quick turnaround. I'm also enrolled in the credit steps program.  I am due for an automatic incease after my 5th payment. I just made my 5th payment a few days ago and my statement closes tomorrow! I'm curious to see if I'll get that increase as well. I would assume yes, but I'll have to wait and see.  Extra info: I pay my high balances down every month leaving about 1 to 2% utilization reporting on my card.In my EO letter I mentioned that a $5,500 credit limit would match my Discover It credit line (just started reporting)UPDATE My 6th statement closed yesterday (7/17). When I logged in today (7/18) I saw another $500 increase due to my Credit Steps enrollment! Woohoo! Hello 6k credit line! I love you Capital One!  

    Sandibeach22 wrote:
    Super congrats on your success!  Thank you!

  • Capital One Increase, it will come

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  • Capital One Credit Steps increase plus a little EO help

    I recently had my 6th statement cut on my QS1 Cap One card.  I was able to get an increase from 500 to 1500 after 3rd statement.  So the day after the 6th statement cut it increased again to 2000.  I was very happy with this but also wondered if there was any possibility of a little more available.  I have run close to 8000 through the card over the first 6 months.  I sent an email to the eo office, someone called me within about 2 hours and 3 days later I saw an additional 1000 to bring my new cl; to 3000.00.  Capital one has been amazing to me. Even when they have said no, it has been with such niceness that I can't help but smile and say oh well, Ill get it next time.  

    Congrats on your CLIs!!! Hopefully, next time you will earn a larger increase. Good luck!!!

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  • My experience with Credit Line Increase at Capital One

    Just thought i'd share my experience (and contribute for the forum) to help those who seek to increase their credit line.  This is just my experience but it seems to work. A month ago i applied for and got two new credit cards after 16 years of NO credit card useage and not so good credit.  I made sure to pay off all debts including student loans and colections accounts prior to applying.  First credit card was a Credit One card with a $300 limit.  I have since cancelled them since the low limit did nothing for me.  I also got a Capital One Quiksilver One with a $3000 limit.  During the month of owning this card i: -Charge EVERYTHING on my credit card.  Made very frequent charges.  I charged everything from a $1 coke at the vending machine to my $2700 rent.  Credit card companies have high charges for merchants, this is one of the main ways they make money.  They will love you if you pay everything with their credit card so long you make your payments in full.-Once you run your balance up as high as your comfortable doing, make a payment even if it's not month end.  Do not go exactly to or over your credit limit!-Make frequent payments.  I made 4 or 5 payments within my first month of having my new credit card.  $2700 charge, payment posted.  $400 in random charges, payment posted.  $250 in random charges, payment posted. Within 3 weeks of me owning my Capital One Quicksilver One, they tripled my credit line from $3000 to $9000.  Whoohoo! That's all.  Enjoy your credit card in good health and with good creditworthness. 

    slipper wrote:
    Just thought i'd share my experience (and contribute for the forum) to help those who seek to increase their credit line.  This is just my experience but it seems to work. A month ago i applied for and got two new credit cards after 16 years of NO credit card useage and not so good credit.  I made sure to pay off all debts including student loans and colections accounts prior to applying.  First credit card was a Credit One card with a $300 limit.  I have since cancelled them since the low limit did nothing for me.  I also got a Capital One Quiksilver One with a $3000 limit.  During the month of owning this card i: -Charge EVERYTHING on my credit card.  Made very frequent charges.  I charged everything from a $1 coke at the vending machine to my $2700 rent.  Credit card companies have high charges for merchants, this is one of the main ways they make money.  They will love you if you pay everything with their credit card so long you make your payments in full.-Once you run your balance up as high as your comfortable doing, make a payment even if it's not month end.  Do not go exactly to or over your credit limit!-Make frequent payments.  I made 4 or 5 payments within my first month of having my new credit card.  $2700 charge, payment posted.  $400 in random charges, payment posted.  $250 in random charges, payment posted. Within 3 weeks of me owning my Capital One Quicksilver One, they tripled my credit line from $3000 to $9000.  Whoohoo! That's all.  Enjoy your credit card in good health and with good creditworthness. This is exactly what i'm doing (minus the rent part!) I hope this works for me too! Thanks so much for sharing!

  • Rebuilding help- need tips for Capital One Accounts

    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. 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. 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? 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.... 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!!!

    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.

  • Justice Credit Card-Capital One

    I'm in the process of closing this card.  Will make payment at the end of the month and have a zero balance and close it.  When it switched over to Capital One last month, pushed the luv button to see if I could get a CLI.  Was told to contact number listed in email sent.  Called number.  Spoke with CSR who stated that initiating request could possibly result in hard pull.  I have a Kohl's card, which is Cap 1 too,  and told the same thing, but never has resulted in HP.  Well this time it did.  Was given a HP on EQ and did not get the increase.  Sent email to EO office about how ridiculous it is to get an HP on a store card.  Spoke with someone from the office who said that could she not remove the HP, but could initiate a manual review for a CLI.  Told her why would I want that when it wasn't as if I was getting a bank card.  Discussed how this could discourage people from getting the card.  Just letting the forum know that this change over from Comenity is not turning out to be positive. 

    Yes.  It has the option on the website to request a CLI, so I pushed the button, and got a response that they would send a reply by email.  Then I got an email saying I needed to call in and from there it went downhill.  It is ridiculous because it' not like it's Nordstrom's or Neiman Marcus.  It's Justice for goodness sakes.  Kohl's does SP for CLI and it is Capital One, but not this card.  Anyway, it will be paid off and I'll be done with it. 

  • Capital One Luv

    Thought that Capital One had forsaken me.  Have Venture One for almost 3 months now.  Started hitting luv button after 2nd statement.  Result-$250.  Thought, "Are you kidding me?  Really?".  Refused increase.  Kept doing this every couple day; same result.  Finally went on this morning thinking another $250.  Got the shock of my life-$2000.  Took offer before they changed their mind.  Venture One went from $3000-$5000.  Now 6 accounts over $5K.  Good job for a rebuilder. 

    Way to go, gotta Cap1!!!

  • Capital One Secured Cards

    Hi all, it's been great reading up and learning so many things on this forum about getting your credit back into shape. My only wish was getting to this forum before making a couple of recent mistakes that I should have known better but you live and learn.  So currently I have 2 Capital One secured cards; one is a HSBC Orchard Bank card that transitioned once Cap One bought out their credit card portfolio. My current limit on the Cap One card is $700 (initial limit was $300 until I added $400 to increase the limit late last year) and $300 on the converted Orchard Bank card. The last time I had a late payment on both accounts was back in October of last year. Since then I've made my payments on time and always more than the minimum.  I know from reading in this forum these cards don't graduate and although Cap One offers the account combination link when I sign in, I think I saw someone state it doesn't work with secured cards. For the heck of it I did request a credit limit increase on both accounts and one letter I received stated that I can't initiate credit limit increases on secured cards and the other letter said one or more of my accounts was recently 60 days past due. I also spoke to a rep and asked how many Cap One cards I can have (including branded) I believe she said 5 but when I did the prequal and the Platinum came up I applied for it and then got a letter stating that I couldn't have more than 2 cards. For the Cap One veterans am I just stuck with these 2 cards with no hope of getting a larger credit line (I know there is a cap to it) or getting an unsecured card? I was figuring maybe if I closed out one of them then maybe I can reapply for an unsecured card? Thanks for your time.

    mtzion30 wrote:
    That is a great question core; speaking for myself I would say it's just my inexperience. By no means do I want every Capital One card they have, I was just trying to figure out what to do with these two cards and maybe at least get one unsecured card from them.Keep going to the well, keep getting the same poisoned water.  That's what we say in Texas. I understand, it's kind of a security thing.  Well if I were you I'd bust out and apply for something _other_ than Capital One.  If a mortgage writer looks at your file and sees 3 Cap One accounts and nothing else, what's he going to think?  He might think you're mentally ill and decline the mortgage.  I think 3 Cap One accounts is grounds for state-funded looney farm in some states.  You want a "travel" card, there you go. I don't know anything about your credit profile, but if  you're still in the secured market you might want to check out this helpful list:  Get one that will unsecure and grow with you.  But really, FICO doesn't know about secured cards so it doesn't affect your score anyway.  It's a card like any other.  And some are SP.  I'll take one of those SPs anyday over a triple HP and raised eyebrows from the mortgage lender from having 3 Cap One accounts and nothing else.

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