Capital One Increase, it will come

I applied for a Capital One secured card about 5 years ago and with a $300.00 deposit and over the course of the years I ended up with a credit limit of $1000.00. Upon reading several articles and several forums I took a chance and applied for the C1 QuickSilver One card and was approved for $300.00 which was low but it was my first unsecured Credit Card in a very long time. I remembered reading on the forums to immediately apply for another C1 card so i did and was approved for a Capital One Platinum card for $300.00 and was in the Step program with both cards. I use both cards all the time and paid them off but not every month. In 5 months, my QuickSilver One CLI went was a $1000.00 but my Platinum only went up to $500.00 and I wasn't happy but i was grateful and this was in January. I kept requesting an increase on the Platinum but wasn't getting a CLI. I got online today and hit the credit increase button and to my surprise, I got a $2000.00 CLI on the QuickSilver One which gave me credit limit of $3300.00 and I immediately requested a CLI on the Platinum card and I got a $1000.00 CLI to give me a credit limit of $1500.00 All i can say is be persistent and don't give up, it will soon payoff. My scores are between 620-650 so I can't wait to see how this will bump up my credit scores.

Congrats OP!
As to a low limit QS, i was approved for a Quicksilver Visa last year for $500, no af, and it was in credit steps. 100% not the one. I mean the card doesnt say "one" and the pre-approval letter I received to apply didnt either. It did say minimum $3000 cl, but whatcha know, lucky me got 500. I believe ive read elsewhere here of other QS (not ones) with small cl. Maybe they have some sort of internal low level QS or something...

Similar Messages

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!

Capital One 5 day hold on payments.

I was using my capital one card like normal running somewhat of high balances and then paying them right off. I always pay on time and I always pay before the statement closing date. However, paying the card off in full before the statement closing date seems to trigger some sort of hold for five days. I'll be calling to get the hold removed as soon as the ACH payment shows up on my bank account.
The reason I always pay in full before the statement closing date is because I don't want Capital One to report a 100% credit utilization for the month to the credit bureaus.
So now you can see how a five day hold would throw a wrench into my plans.
Here's the thing though. Once I scheduled the payment, Capital One's accounts show 0 balance on the card, but a 0 available funds on the card as well, while its in this 5 day hold limbo.
Well, here comes the statement closing date, on a *Monday (see edit). So what the heck is going to be reported to the credit bureaus?
Will it be a 100% credit utilization? Will it be 0% credit utilization?
Either way, it's not good. I would be better off paying a lower amount to see if there was a chance that it would be processed in a timely manner.
However, I can't do that during the 5 day hold. I can only do that once the 5 day hold is over.
If the payment hasn't been processed then I can only assume that they will report a credit utilization percentage of 100 percent. Like I spent.
What do you think? I'll be waiting as the weekend passes. Then, I'll call in on Monday; the day of the statement closing date. I might be able to get the hold released, push the payment through by the end of day. And then I will have a low balance reported to the credit bureaus. I'll have all A's on my credit score. edit: a mistake was made earlier in this post. the statement closing date is actually on a Sunday. So it's too late to try to push a payment through now. It's going to report as it was on that day.
UPDATE: It's Monday. I woke up at 6am and everything worked out perfectly. Capital one was happy to release the funds it took all of 5 minutes, and now I'm back to a card with a full balance.
UPDATE 2: 12:00 PM on Monday, the statement came in. It went just about as perfectly as possible. I'm all set with Capital One and my statement, everything is paid, and it correctly reported to the agency. Under 10% of my limit with full credit availability. I got an A.

motoleo wrote:
^ (Gasp) I can't have that happen to me. I can't have them report a 98% (105% in my case) utilization ratio! It mustn't. I have no other cards. This is my only card. It's just a platinum. The limit was just increased to 500 dollars. I never had any returned payments until they did the 5 day hold. You really don't know where the money is because everything is always pending.Are you waiting until the statement closing date to time your payment, or only few days ahead of statement closing, and making that one payment per month? That's a knife edge you are dealing with. On a $500 card, I'm all for maxing that puppy out and then PIF by the payment due date, but that presumes one stops using the card before the limit. If you are using this as your main spend vehicle, that is fine. You need to pay it more often. When you get to $250, set up an immediate payment on Capital One's site to pull the $250 from your bank account. That will take a few days to clear, meanwhile you continue to charge on the card. When you have charged another $250 of spend on the card, log on and schedule another payment to pull from your bank account. Alternatively, on Saturday, look at what is in your Capital One Open Balance, and schedule a payment to pull from your bank account to pay it on Monday. Let those balances report, whatever they are. You may think a $500 statement balance is a Bad Thing? It is not. Over the course of time, when you show that you can report those kinds of balances and PIF, then you will start to get better cards, to give yourself breathing room. And +1 to the comments that you can't allow these payments to be returned. Ever. When you commit to a payment going to your credit card, you no longer have those funds available in your checking account. As another alternative, open a checking account at Capital One. This will provide the instant payment from your checking to your credit card that you want to see. Good luck!

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!

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!!!

I will type in google let say tree the search will click on to one of the searches and instead of tree web page showing up a ad page will come up this happens with very thing can you help.

I will type in google let say tree the search will click on to one of the searches and instead of tree web page showing up a ad page will come up this happens with very thing can you help.

You (or your kids) inadvertently installed adware. You do not need to download or install anything to fix it.
Any tips on how to stop it from happening?
Yes. To learn how to avoid it in the future read How to install adware.
If you require them, Apple's removal instructions are linked in the Recovery Procedure near the end of that document. Read and follow them carefully. Pay particular attention to the easily overlooked passages directing you to restart your Mac when required.

TS1591 My iphone 4 randmonly started going into recoveery mode when i was trying to download ios 7.1, and now the apple logo will come one and then fade to black and continue this process. My iphone wont restore either and will get the 3194 error message.

My iphone 4 randmonly started going into recoveery mode when i was trying to download ios 7.1, and now the apple logo will come one and then fade to black and continue this process. My iphone wont restore either and will get the 3194 error message.Help please!

Hello chindeepchow,
Thank you for using Apple Support Communities.
For more information, take a look at:
Resolve specific iTunes update and restore errors
http://support.apple.com/kb/ts3694#3000
Resolve communication issues
Related errors: 17, 1004, 1013, 1638, 3014, 3194, 3000, 3002, 3004, 3013, 3014, 3015, 3194, or 3200. These alerts refer to gs.apple.com, say "There was a problem downloading the software," or say the "device isn't eligible for the requested build."
Check the hosts file or TCP/IP filtering, which might cause communication issues between iTunes, ports, and servers.
Have a nice day,
Mario

I have a iphone 4s and i can't get the charger to come out of the phone its stuck on one side and will not come out

I Have a iphone 4s and can't get the charger to come out...it was hard to get out the time before but i thought it was just me so then i charged it last night tryed taking it out and it is stuck on one side and will not come out...any suggestions on how to get it out?

You will just have to carefully pull harder. Push the other side back in so it is aligned, then pull it straight out.

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!

Does any one knows when a new version for iPhone 4 will come on?

I do wait for a new update and I was wondering when this will come on. Thanks

No one here knows. We're just fellow users as you are.

Sometimes I cannot get my apple tv to work after being in sleep mode. I then have to turn the power on and off to make it work. Note the white light will come one when I try and wake it up. But, the light will not blink.

Most of the time when I wake up my apple tv, the white light will come on, but will not blink when I have this problem. I then have to pull the plug and then put the plug back in the socket, then it will work.

How long have you had it? If it is still under warranty, you can have Apple help you out completely. If it is not under warranty, Apple might still be able to send you articles to assist you in this manner. Check "Contact Us" on any page at the bottom.

Capital One Suddenly Generous with CLIs

A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think.

Littlewing745 wrote:
UncleB wrote:
Littlewing745 wrote:
UncleB wrote:
A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think. I'm curious to hear what others think as well. I have a Cap One QS1, and I have been absolutely battling them for an adult level of credit for months. It started at $300 in July 2014 - I was subprime, for sure - and completed credit steps. I had used just about the full $300 and PIF every month. Got a measely $200 increase to $500 in January, but i didn't complain. Few months later, I tried an CLI, denied. Was told there had been a change in the account. Of course, they were referring to the $200 increase. So, I let it go, and apped for other cards. Well...no one gave me a limit under $1500, and that was Discover (who is conservative, anyways). My next lowest was $3500. Ringed back Capital One and, long story short, had to escalate all the way to the EO to get the card *up to* $1,000. So basically, because Cap One is being stingy, they are still viewing me - and lending credit to me - as if I'm subprime. Wee bit irritating. I had explained to them that though the QS1 gave me 1.5% cash back, the annual fee and $1000 limit hampered use for me; my NFCU cashRewards is the same reward structure, but with no annual fee, an $8,000 limit and even a lower interest rate. No dice. Heck, even my Merrick Bank still has a higher limit. Embarrassing. I'm planning to hammer my QS1 with charges for 2-3 more months - paying down a couple times a month - and see if they get the message. If I can't get a bump after that, it's definitely a candidate for closure, since it's only 1 year old.Littlewing, have you checked out the pre-qualification site yet to see what they show you good for? I was equally disgusted four months ago due to dealing with the same type stuff you describe (before these latest CLIs, my last one was for only $200). I'm with you, it seems easier to just re-app for another card, in my case it was another QuickSilver (but the Visa Sig instead) with no annual fee and a starting line more than double the credit line on the old account, which has taken me eight years to even get as high as it is now. (This much is certainly well-documented) See what they show you pre-qual'd for, and if you like what you see it might be worth your sanity to bite the bullet and take the HPs just to be done with it. For me, "protecting" my report from HPs is not worth as much as the piece of mind I have now knowing I don't have to call and "beg" each year for them to throw me a bone for the annual fee on the new account, and if I choose to do so for the old QS1 MasterCard it's not because I have to. Many folks don't mind sending email to CEOs, waiting for call-backs that may or may not come, or calling a list of backdoor numbers, but I think I've decided I've grown tired of feeling likeI am always begging them to do business with me, either by waiving an AF or giving me a (until recently) $200 increase. Ironically, going by their willingness to approve the QS Visa a few months back, it seems it's not me they have an issue with but strangely it's the account itself. It's too bad they don't realize it's the same person behind *both* accounts, but they don't... we're just numbers. If the nice CLIs on the QS1 Mastercard had come a little earlier, this could have been a very different conversation.Yeah, I'm very seriously considering that. I try to time my apps so that everything in on a June/July and December/January cycle for increases. SO...I may be getting myself a Christmas Venture One app, haha.LOL... I like that plan. Here's an idea; even if you aren't ready to actually app for a new account, the pre-qual site will at least tell you which cards you are good for and what the interest rate will be. That's actually what pushed me into 'taking the plunge'; once I saw that I wouldn't get the highest rate as I had feared would be the case (they gave me a not-great-but-not-horrible 17.9%) it made me pull the trigger. As a side-note, the interest rate offered on the pre-qual was spot-on with what I was actually given on my new account. If the rate is higher than you would like, or you don't get offered that Venture, you can always try back later. Or if you get pre-qual'd for a fantastic rate, you can still wait and know you have something to look forward to. Even more importantly, you'll know that all the calling and emailing for the account you presently have is because you want to, not because you are forced to... Whatever you decide, you have to do what's right for your situation and your personal plan.

Advice needed for current CO with capital one

Hello all, thanks for the information, this forum is beyond helpful. I have discharged chapter 7 from may 2008, went through the typical issues that come with that and started rebuilding which was going fine. in 2011 i opened a business and used some of the credit i had reestablished for those purposes and had some missed payments and my scores plummeted again. fast forwarding to current day, i have since paid all old debts, which were closed by creditors showing zero balance. The only one with a balance is a capitalone card that i was 150days late, they charged it off but its still with capital one not a collection agency, i have since been paying every month but its still showing charged off, is there anything I can do to get them to report that differently? i acknowledge the debt is legit but its not actually charged off since I'm paying on it monthly direct to cap one, the kicker is i have another cap one card that my limit just was increased by $2,000 a month ago AND applied for cap one quicksilver card and was approved for $3,000 last week? While Im being long winded, I am also an authorized user on an american express, its our business amex and my father is the primary. the balance shows up on all my CR's which can be anywhere from 5k-50k in a month, is there anyw way to get that to stop reporting as i am not financially responsible for the debt? Thanks for reading

junior1790 wrote:
Hello all, thanks for the information, this forum is beyond helpful. I have discharged chapter 7 from may 2008, went through the typical issues that come with that and started rebuilding which was going fine. in 2011 i opened a business and used some of the credit i had reestablished for those purposes and had some missed payments and my scores plummeted again. fast forwarding to current day, i have since paid all old debts, which were closed by creditors showing zero balance. The only one with a balance is a capitalone card that i was 150days late, they charged it off but its still with capital one not a collection agency, i have since been paying every month but its still showing charged off, is there anything I can do to get them to report that differently? Actually no, its a factual happening and once an account reaches CO status it is that forever going forward. You can try a GW letter to them once the account is paid off asking it be reported as paid as agreed but I have not heard of Cap-1 granting such a request. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680 i acknowledge the debt is legit but its not actually charged off since I'm paying on it monthly direct to cap one, the kicker is i have another cap one card that my limit just was increased by $2,000 a month ago AND applied for cap one quicksilver card and was approved for $3,000 last week? A CO is an event that the creditor took, it did happen what is should show now is something like this "Was CO, now Pay" but CO notations will always be there unless you can get them to convert it back to a postitive account. While Im being long winded, I am also an authorized user on an american express, its our business amex and my father is the primary. the balance shows up on all my CR's which can be anywhere from 5k-50k in a month, is there anyw way to get that to stop reporting as i am not financially responsible for the debt? Cancel your AU status is the only way it will no longer report. FYI Amex makes their AUs responsible for their individual charges,. Thanks for reading

Capital One low CLI, options and questions...

I opened my first credit card in January 2011. It was an Orchard Bank MC that was later sold and converted to a Capital One Platinum MC. A few years later (not sure) it was converted to the QS MC. Since I opened this account I have never missed a payment or had any negatives on my report. I got my last CLI 6 months and a few days ago. Because I have open 6 new credit cards in the past 2-7 months and meeting spend requirements I haven't been using the card much at all. I created a spreadsheet to calulate when I could request another CLI. 180 days after my last. On day 180 I requested one and was declined because of low payments. The card had a ~$500 balance a couple months ago that I paid off so the reason didn't make sense. I figured the reason was lack of recent usage. So for the past few days I have been using the card and requesting daily. Today it finally approved me for $400 to bring my limit to $3900. I was really hoping for at least $1500 so it could be a WMC as I have a VisaSig. The increase and limit bothers me as its my oldest revolving account.
I have the following cards...
1/11 C1 QS $3900
2/13 BoA BBR MC $5000 (BBR can't be WMC they say)
1/15 C1 QS $3500
1/15 Barclay Rewards $1000
2/15 AMEX ED $9000
3/15 Chase Freedom $4500
4/15 Citi DiamPref $1500
5/15 Disc It Secured $500 (really secured but wanted the card, best card I got IMO)
5/15 BoA 123 VisaSig $5000
Also to note...
12/14 Mortgage $59k/$64k (double+ pmts)
4/15 Shared Secured Installment 352/500 (to max mix)
2/15 Victoria Secret 0/500 (big regret)
FICO08 EQ 680 TU 700 EX 698
My question is was it a mistake to accept the low CLI now? Should of just contacted the EO for a manual review? Can I still do that or will I just get the line you got a CLI a day ago and gotta wait? Would they possible let me combine my 2 capital one cards ($3900 and $3500) into one card if they won't give me an addition $1100 increase for a WMC? I've had contact with the EO before and got the number; better to email or just call?
Sorry if this scramble, unorganized, grammar, etc as this is the 3rd time I've written it as the page times out and I lost it.
So to recap my questions...
Does me accepting the low $400 CLI to $3900 today prevent the EO from possibly giving me a higher CLI?
Can you combine your limits on 2 cards into one? Would combine the newer card to the older one to keep my oldest CC open.
Any experiences you had with similar issues.
Thanks in advance for your time and responses.

As I've experience with capital one (capital one platinum) is that they DON'T give out many credit limit increases. I had my crapital one card since '09 and started when I was in rebuilder mode. Flash froward to present day and you can look at my siggy that I've come pretty far. High 700's and major credit cards in my wallet with some in the 10k plus and crapital one only gave me two CLI during my '09 to July 2015 loyalty to them. I felt I was capped at 2k after numerous emails to the EO. Don't sweat capital one and just use them for the history while you get better cards imho

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.

Capital One Increase, it will come

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