Think I need to contact Capital One EO

I had signed up for paperless statements, and I just received a statement in the mail. I think I need to have a long talk with the EO about this.

myjourney wrote:
jaylau17 wrote:
myjourney wrote:
No offense OP but calls for this type of reason amongst a lot more other non essential reasons have resulted in now dealing with frontline CSR again and the number being of no use any longer ......sad sad day for all http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-EO-number/td-p/3857428I think it's pretty obvious that the OP was being sarcastic. Maybe maybe not Point is that avenue is now closed for this type of reasoning and frivolous calls IMHOIt would not be necessary if their rank and file customer service was worth more than a papiermark.

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Using the content aware move tool, I want to move an item from one image to another image but it does not seem to work. I think I need two layers on one document so how do I do this

Using the content aware move tool, I want to move an item from one image to another image but it does not seem to work. I think I need two layers on one document so how do I do this

Good day!
A simple Paste does not work for you?
It should place the clipboard content as a new Layer which you can then move around.
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Regards,
Pfaffenbichler

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.

Blackberry World thinks I need to update Apps that are already up-to-date. (Infinite Update Loop)

Hello,
I have been having trouble with Blackberry World. It states that I have apps that need updating, but I already have the most recent update of these apps. In addition, BBW states that I need updates for apps that I no longer have installed on my phone. (and I cant seem to uninstall these apps via BBW)
I have tried installing the update (even if its not needed), and uninstalling/re-installing the apps, and nothing eliminates this problem. "Refresh BlackBerry World" does not help either.
for an example: I have 9 apps that BBW thinks I need to update. One of which is Blackberry Blend. When I click on Blend, It states that the Update is available to Version 1.1.0.67, but directly underneath, it states that I have Installed Version 1.1.0.67 !!! If I choose to perform the update, the notice for updating Blend shows back up in BBW immediatley. The same issue is occuring with a number of apps, including: Google Talk, Skype, etc..
Any suggestions on how to stop this BBW App Update Infinite Loop?

Hi, I've tried clearing the cache multiple times. With or without reboot, it doesn't seem to fix the problem.
I should probably mention that this is on a Z10 STL100-3 OS release 10.3.1.1865 OS version 10.3.1.2708. This problem was occuring with only Skype before the upgrade from 10.2, but since the update its with 9 other Apps as well. I even completely wiped my phone, and only selectively restored a handful of apps to prevent the issue, but thats when BBW now displays required updates for Apps I no longer have installed on the phones since starting from scratch.
any other suggestions?

Multiple contacts in one company?

Hi all, a quick question on something that's always bugged me. If I enter contact info for multiple employees at the same company, I can never see who those employees are when scrolling through my contact list.
For instance, I if enter the contact info for 4 people at a company called "Floserve", when scrolling through my contacts later on, all I see is 4 duplicate entrees called "Floserve". I have to select them all individually to get the iPhone to scroll to the next field where I can see each employee's name. This is a real pain with 20+ people I need to contact at one company. Is there anyway I can flag people as working at the same company, but have my contacts sorted by their names, and not the duplicated company name?

The way I handle this issue is as one poster already suggested, plus groups. First, the "company" checkbox is for companies, not really people, so it should only be used for the company's entry, not the people associated with it. You can still put the company info in each of the contacts, right where it says "company" when you edit the contact, but don't check the company checkbox.
Next, create a group for each company that has several people, and that you want to have such a group. Drag those contacts into that group. (I use smart groups to collect them: just set a condition whereby the "company" is the company's name, then drag the resulting smart groups contacts into the real group you named after the company). Now when you sync, if you're showing "All Contacts", the people will appear in their alphabetical place, and if you just want to see those who are at that company, just tap "Groups" in the upper left, and tap the group you created for that company. The list will then populate with only those who are in that company. So I have several groups like that, one for each company that has more than just a couple of names that I want to be able to get to by company.

Hi, I need help!. I will change my iphone and I need to move contacts from one iPhone to the new, what should I do?

Hi, I need help!. I will change my iphone and I need to move contacts from one iPhone to the new, what should I do?

You should have been syncing your contact with your computer all along. Just sync them from the computer to the new iphone.
iPhone: Transferring information from your current iPhone to a new iPhone

Hi. Bought recently iphone5 from singapore. but the one who sold us the phone has set restriction. now i cannot download any apps from my itunes. I dont know the restriction code so i think i need to reset my phone. does resetting remove the unlock?

Hi. Bought recently iphone5 from singapore. but the one who sold us the phone has set restriction. now i cannot download any apps from my itunes. I dont know the restriction code so i think i need to reset my phone. does resetting remove the unlock?

You need to restore it with iTunes or wipe it from the phone itself... Settings > General > Reset > Erase All Content and Settings. Either of these will create a factory fresh phone, thus removing the restrictions. Note that ALL user data will be wiped.

Does anyone have the Capital One EO contact information?

Let me Google that for you http://bit.ly/1g0P1zO
And now this thread will be closed.

-Cain- wrote:
r119 wrote:
I am trying to contact the C1 EO office about a CLI but I cannot seem to find the information anywhere. Could someone please DM me with the info? Thanks in advance!!
The number can be found in the backdoor numbers thread in the credit card applications subforum. It's stickied at the top. As for the website, simply Google search for Capital One EO email address and it will come up. Good luck!Thank you!!

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

HT3702 I changed my card today (twice) and this one works and my iPad said I need to contact you... What's up?

See above... I changed it to a card which has money on it and it still says I need to contact the iTunes store... I really want to buy this app!! bwwaaaa.

These are user-to-user forums, you can contact iTunes support here : http://www.apple.com/support/itunes/contact/

HELP! Capital One not reporting correctly

Hello everyone,I filed my case BK 7 on 05/15/2015, had my 341 meeting, and am now patiently awaiting my discharge to arrive in the mail. I've been monitoring my credit report via CreditKarma and have been noticing most of my accounts being updated as, IIB, and closed with zero balances. Capital One, however, is not showing "included in bankruptcy." The balance was updated to $0, but the payment status shows, "Collection/Charge Off." I called Capital One and they told me they sold the account to a collection agency and there was nothing they could do to report the account as IIB. They said that when they had the account, they could have reported it correctly, but since they sold the account, they only report information from when they owned the account. They gave me the new account owner and told me this is who I should contact. I understand what the rep is saying, but I can't believe that this account can not be updated to report as IIB. Will this account continue to report on my CR as a charge off? Has anyone else run into this issue? Please help! I am trying to get my reports as cleaned up as possible before my discharge. Thank you in advance for your repies!

0REDSOX7 wrote:
It is valid because they sold the debt to a collection agency prior to your filing. They do not own it anymore. So they report it as Collections/Charge Off. If/When the new creditor decides to report it to your credit report, it will have to say zero balance, and IIB. And yes, the CA will be able to report it even if it was discharged (so long as reporting is accurate) as it was sold/transferred prior to your filing.With all do respect I disagree wholeheartedly with this. Yes, creditors can and do report accts previously sold/charged off prior to filing, as such. However I do not feel that it has to end this way. My recent experience with getting an original creditor (Credit One) to report as iib/0/closed, is a testament to this. Basically, I had 2 creditors reporting to Equifax that my CH7 discharged accounts were 'sold/transferred/charged off'. Naturally, like the OP, I was concerned and didn't think this was right. So, I filed an initial online dispute with Equifax, against the entries for both creditors. Ultimately Equifax found in favor of the creditors, stating that they were reporting correctly. I was LIVID! After that, I filed a second dispute, this time via certified mail and providing copies of my Schedule F inclusion of both creditors, as well as a copy of my discharge order. Similarly, Equifax again found in favor of the creditors and refused to adjust the entries. Here is where it gets better and where I hope it gives you something to look forward to: I gathered all of my documentation up and called Equifax on the phone. My initial motive for placing the call to Equifax was to get an answer to one simple question: "How could anything that the original creditors report to you, supersede documents from a discharged US Bankruptcy order?' I spoke to a halfbrained CSR at first and asked exactly that question. After haggling a bit, his ultimate answer was that he couldn't disclose any information to me on what response was given from the original creditors. This is a clear violation of law. The CB's must provide to anyone who disputes a credit entry, the exact data included in the response from the creditor. Hearing "I cannot disclose" from this CSR sent me into stratospheric anger. I asked to speak to a supervisor. The call took a better turn. After reviewing my schedule F inclusion of the creditors and the discharge papers, the Equifax supervisor agreed that the creditors were reporting unfairly and inaccurately. The supervisor has the 'Specialty Department' make the two entries for these creditors immediately update to 'iib/0/closed'. All is well with that aspect of my story. My point is, don't lie down and just give up OP. Just because the original creditor doesnt' have to play ball, doesn't mean you can't get it reported the way you need it to. Be persistent. Gather your papers and call them. Don't lay down and accept it.

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.

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!

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.

Amex, Chase or Capital One

I have been looking around at some cards recently as one thing Credit Karma and other related sites tell me is hurting is AAoA which is 1 year 10months, and total accounts which is at 9(most being Fed student loans). I am still in college. I currently have 1 credit card: Discover It Student at $3000.00 credit line. I have had it since July 2013 and the CL was increased last in Febuary. I also have 1 auto loan since November 2012 with about $4500 left on it. I have recieved quite a few pre-qualified mailings from AMEX and Capital One, while also seeing pre-qualified on Chase's website. Amex mailed me a prequalified Blue Cash Everyday $250 after $1,000 spend in 3 months; Their website lists as prequalified Gold Card(15k pts after $1000 spend in 3 months); and Everday(15k pts after $1k spend in 3 mo) Chase prequalified online shows: Freedom ($200 bonus, and 0 intro apr & AF); Slate; and Sapphire Preferred(40k Pts after spend $4k in 3 months). Capital One prequalified online shows: Quicksilver Rewards($100 on $500 spend in first 3 mo); Venture(40k Pts after $3k spend in first 3 months); and Platinum Prestige. Most of my spending is at Walmart/Sams Club, Gas Stations, Restaurants/Fast Food and occasionally on Amazon and at Target or other grocery stores. I am getting married in August 2016 and honeymoon looks like it will be going to Niagra Falls area(Buffalo,Toronto) and going into Canada by then I will be looking for a no FTF card that is widely accepted in Toronto (Discover has 0 FTF but i hear it is not accepted much in Toronto). Being as that is over a year away I know I don't have to have that as a major factor in my decision yet. I don't have any flights currently planned, but have taken two trips over the last year on Southwest Airlines(airline of choice due to free bags, and value). ScoresTransunion Vanatage: 781Discover FICO: 746(Online) ; 726 (5/27 Statement)Credit Karma: T- 718 EQ - 748Credit Sesame: 718. I was thinking:This month: Apply for a Amex, Possibly BCE for the $250 offer. I'm not sure how well the gold 15k pt offer is with my limited travel in the next 12 months, is that able to be PC to a non-AF card? Between September-January: Either1. Chase cards: CSP and/or Freedom. I was reconmended on another thread to try Back to back to get only 1 pull, and then before the year is up to combine the CL into the Freedom. From my understanding I will rant to redeem my points before doing that correct? Also opening after August will allow me to possibly save the points for the honeymoon in August 2016. Freedom 5x categories may match my Discover iT. 2. Cap 1: Venture and/or Quicksilver. Do they pull twice if you apply back to back within minutes? I read that you can PC Venture to VentureOne to avoid the AF, I don't believe they allow a PC to QS later on do they? I need to do some more research on the point differences between Venture and VentureOne, but I would have Venture for atleast 11 months before AF time. I also saw a thread where it sounds like Cap1 may be allowing cards to be combined in the near future. Between April 2016-July 2016: Option that wasn't choosen above. Any suggestions on timelines, and what cards I should do?Should I look at Sallie Mae Mastercard? And with how low my AAOA is now, how much will opening 2 cards at once (Chase or Cap1 Back to Back hurt?) and then later combining what I can, or should I convert AF cards Venture to VentureOne and CSP to CS?

mlj01 wrote:
Amex Blue or BCE? I haven't seen anything in particular on Slate, how does it compare to Freedom and CSP? I know CSP is the best out of the 3 and UR sounds nice. I also wonder how hard they check income, I know they want to see it, but I just started a new job, and other than hockey reffing the last few months didn't have a normal job, and reffing the funds are paid from each association and don't have a standard pay stub, just checks. I worked on campus this year but up till August 2015 worked at a a Bank and saved quite a bit up. I also forgot to state that I live near the canadian border so the Venture/CSP will be nice(NO FTF) whenever I decide to make my first trip across the border. If not this year I will most likely around the honeymoon time, unless I change honeymoon plans due to bonus rewards! My Discover IT has no FTF but I hear acceptance in Canada is limited.BCE is the one I was going for, although I just a pre approval in the mail today freedom is awesome for now, 200 after spending 500 in 3mo. 1% cash back on everything and they have quarterly deals like right now 5% on gas and kohls lolslate has no annual fee and 0 apr until October 2016CSP is the higher tier card and has 40k bonus points after spending 4k in first 3mo. Has 0 intro annual fee and $95 annual fee after you should be good cause they didn't ask for any proof of income I make 45k/yr You're correct Venture does not have FTF plus you get 40k pts after spending 3k in the first 3 mo

Think I need to contact Capital One EO

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