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
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

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.

Similar Messages

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.

Declined for Capital One 360 checking then Approved after Chexsystems frozen

Hey guys about 2 weeks ago I applied for a capital one 360 account but was denied because I have a mark on Chexsystems even though I read that Capitalone360 was no longer going to use chex systems....Any who I did some further research and saw some people had frozen their Chexsystems and had gotten approved for banks they had previously gotten denied by. Well I froze my Chexsystems and applied about a day later and.....I was immediately approved no questions asked and even received an email stating my debitcard would be mailed to me. My question is....Has anyone who has tried this trick had their bank account closed?

I just want to say (Mod Cut) thank you to the OP for leaving this here. Unfortunately for me, this info was posted only days after I had begun my ferocious pusuit of several disputes (read: every single (Mod Cut) one available to consuners) against Chex based on their innacurate reporting of non-DDA acct. inquiries and subsequesnt scoring model deficiencies which resulted in my app for CapOne 360 checking being denied as well as putting my currently open w/local CU checking/savings accounts in jeopardy of closure. The company that was responsible for the inquiries in dispute ((Factor Trust)) received, processed, and resolved my dispute within 18 hours of my submission, and then, upon request via phone, immediately contacted Chex to have their erroneous inquiries removed, but Chex couldn't care (Mod Cut) about the urgency of my dilemma and infirmed me that their ETA for removal would be 30-45 days! Sure glad I filed those complaints w/ the CFPB & FTC at the same time I faxed my dispute forms --- I'm gonna have a whole lot to say to those agencies when they follow up in the next few days. So here I was, feeling entirely helpless and abused by Chex and their and their Top Secret scoring model that somehow identifies me as someone whose much a too great a risk to be allowed to open a (second!) checking acct, when I happen to stumble onto this post. I won't lie -- I didn't think it would work, but zi fgured I had nothing to lose by trying so I placed the freeze on Monday night. Fast forward to near midnight last night when I once more attempt to apply for 360 checking; I absomlutely expected to be deniedm again - but, to my shock and amazement the application was completed and account opened within 3 minutes of logging on. AND they offered me an overdraft protection loan w/out my having to ask!!! Thank you verhy much OP for posting this here...you just did for me in a minute of two what dozens of hour on the phone with half that many different agencies/companies coulfd not. Thank you, thank you, thank you!!!!!

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 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.

So Excited!! Capital One response to GW letter!

Yay! Doing the a little nervous but happy dance! I wrote a GW letter to Capital one about a week ago and they just called me today! I can't believe the quick response after what I have read on here. Capital One is notorious for denying GW letters or totally ignoring them. I spoke with a very polite woman that asked me a bunch of questions, including what happened to cause me to get behind in my payments. I told her my story and she created a report and stated that she would send it and my original letter to her executive office and I should hear back from them in 2 days! So excited! I am happy no matter the outcome because this is the first GW letter I have ever gotten a response too. My Cap One is a newer account so if this gets deleted I should see a nice bump up in my Fico scores Just can't believe it, GW letter really do work! Thanks so much for your help and all the contact information everyone, you are all the BEST!

Well they called back and said my request was denied But I am not giving up, I even told the agent I spoke with to expect to hear from me again in about 30 days to see if they will reconsider their decision. GW campaign continues........

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

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.

Capital One Platinum?

I have just begun my credit rebuilding journey. About a month ago, I applied for a secured card from my bank and was approved for $300 minimum. I sent them the $300, and read that CapOne is pretty lenient with approving secured cards, so I applied with them as well. I got approved and had to send them the deposit. I talked my grandparents into adding me as an AU on a credit card with a $9k limit and $0 balance that they've had since 1987. That AU alone bumped my scores 20+ points on EX and EQ. TU had the wrong address for me, so it didn't pick up on the AU but I sent them a letter requesting change of address. Anyway, with my scores slightly higher, I was feelin' froggy and I had been reading that CapOne QS1 is pretty relaxed with their approvals. I thought I most likely would not get approved if I applied but it was worth a shot. I applied yesterday and got the "7-10 day" message. I read on the forums that if you get this message, its not an approval or denial, and to call the BD number the following day to ask them if they needed any more info. I called them today and to my surprise, the account specialist told me I was approved for $300 (better than nothing, and I was ectstatic to finally have a real card) and to expect the card within 7-10 days. Now my question is, I've been reading some people had better luck with CapOne Platinum but denied a CapOne QS1. Since I've already got the QS1, what are the chances I could get approved for a Platinum? And if I do it today, would it still be with the 3 HPs from yesterday? I'd like to be able to get both of those unsecured, keep my CapOne secured, and either close or keep my bank secured card. Not sure what the best option is. Thanks in advance.

First congratulations!! Second, I wouldn't go for the Platinum right now, because it seems sometimes when you start out with Capital One's sub-prime cards, they get stuck at low credit limits and won't grow. Give yourself some more time, use the cards you have over the next few months, and before you know it, you'll get approved for better cards.

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...

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 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 DISPUTED LATE PAYMENT WITHOUT MY PERMISSION!

HELP! I am in the processes of working on 3 late payments on my Capital One card. I called yesterday and very clearly stated to the rep that I was looking for a GW removal and NOT a dispute. He gave me the typical scripted speech that they would make an *internal* request and I said thank you, have a nice day. I entered an online chat today with a supervisor to ensure that my account was not disputed and come to find out, it is. Who do I contact now? Can I file a complaint? Who the HECK is running the show at Capital One? This is just crooked business!

Thanks. The EO called me today to let me know they would be investigtaing the rep who created this mess. I'm livid. I am praying that dispute does not hit my report. They tell me it will take 7-10 business days to investigate.

Capital One Luv or no Luv???

I have two capital one regular platinum cards. The CL are $1400 and $2000. Utilization is 50% no missed payments. I recv'd minor ($300) increases on both cards back in March 2015. I hit the love button last week (3 months out) and was denied. Although I've been reading to wait 6 months with Cap1, I've been a member since 2004 and rarely had any increases. I know this was primarily due to high utilization (over 70% on all accounts) but said what the hell and called the EO to ask for manual review for CLI. The rep told me she would upgrade my cards to Quicksilver cards but said she submitted the manual request for increases and I would receive a letter in the mail in 7 - 10 days. I mumbled, "so I am denied, right?" and the rep said, "no it REALLY is under submission." Is that just EO jibberish for denial, or has anyone had luck w/ cap1 CLI after getting 7 - 10 day letter talk from EO??

My experience with Cap One has been great. I've contacted the EO once and got an increase within 2 days. Funny thing is that I have NEVER received a letter informing me of that increase, I just kept going into my account and noticed the new CL. They do send your file to a credit analyst for a review. I was given the 7 to 10 day window for a response. It definitely doesn't take that long. I've had great luck with CLI with Cap.One. I keep my utilization between 15 to 22% and I pay them at least twice a month. Good Luck!

Capital one Approval!

So i'm working on rebuilding my credit after getting my chapter 7 discharge in february. I was planning on opening a second secured card next week, but decided to go ahead and try the capital one pre qualifier just for the hell of it. To my surprise they said I was pre-qualified for the Capital one Platinum, and the QuicksilerOne card. So I went ahead and applied for the platinum, instantly approved. Then I remembered someone on the forum saying that if you were approved for one card through them then you would most likely be approved for a second one, so I went ahead and applied for the quicksilver and was approved for that one as well! Both have a $300 limit which may not seem like a lot but to someone like me who is young, in college, has 3 kids, and trying to build a credit history, it is great. So I guess now I probably won't be needing that second secured card through my credit union. It's only through using this website that ive been able to gain the knowledge to begin my credit rebuilding journey, and i am truly greatful, so thank you! Edit: Do you guys think it is worth applying for an amazon store card? or am i likely to be declined? Reason I am asking is i've had my eye on an air conditioner on there and was planning on just paying cash for it when I get payed monday.

Excellent! Congrats! In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

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