topic Re: The reigns have been loosened!!!! C1 CLI!!! in Credit Cards

The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Thu, 10 Jan 2013 14:13:33 GMT

Holy moly!!!
Exec office!!!!

Got a cli to $5000!!!!!!!!!! From my almost five years of $1300!!!

I didnt get a cli from C1 for over four years!!! I realllly want to call and thank the Exec office or send them a thank you card...

But first and foremost, I thank this forum and everyone who helped with their stories and info!!!!
Im in shock! But def in no hurry to use it!!!!

Again Capital One has cli'ed me to $5000 from $1300!!!!!!!!!!!!!!
Wow!!

SCORE!!!!!!! :-D

Re: The reigns have been loosened!!!! C1 CLI!!!

creditnocash — Thu, 10 Jan 2013 14:38:27 GMT

youngandcreditwrthy wrote:
Holy moly!!!
Exec office!!!!

Got a cli to $5000!!!!!!!!!! From my almost five years of $1300!!!

I didnt get a cli from C1 for over four years!!! I realllly want to call and thank the Exec office or send them a thank you card...

But first and foremost, I thank this forum and everyone who helped with their stories and info!!!!
Im in shock! But def in no hurry to use it!!!!

Again Capital One has cli'ed me to $5000 from $1300!!!!!!!!!!!!!!
Wow!!

SCORE!!!!!!! :-D

is that on one card or both?

they probably saw all the other 5k cards and thought they were behind!

congrats on the cli.

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Thu, 10 Jan 2013 15:06:06 GMT

It was just on my $1300 one... The $1700 cl is an Orchard Acct... Kinda sad my Orchard was higher than my C1 lmao! The good thing now is that if I ever need to, I can get a blank check from C1 and have access to my new large credit line :-) I asked for $7500! But $5000 is a milestone for C1!

Re: The reigns have been loosened!!!! C1 CLI!!!

MovingForward_2012 — Thu, 10 Jan 2013 15:08:08 GMT

Congrats! That is HUGE! What type of Cap One card did they do the increase on?

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Thu, 10 Jan 2013 15:13:37 GMT

Well it was a Visa Platinum account I got in April 2006- first card ever. And yes, I was under 18, but still approved me for $300.

In Nov 2011, they offered to upgrade me to a 1.25% cash or miles No Hassle card... So it's a No Hassle Cash card... To me, the 1.25% wild beat the most recent offer of 1% plus the 50% bonus, since I just get my cash every month! Has a 13.9% apr. i ONLY use it for itunes ($30 a month in music-bad habit, I know)! Def'ly my best APR!! Besides promo offers!

Keep in mind, my payment history is STELLAR!!! I've always known the importance of, not just paying..but paying on time and in full if possible! Even when I had no job, I still used my savings to pay above the min! I haven't missed a payment since like 07 and have only exceeded my credit line ONCE, EVER!

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Thu, 10 Jan 2013 15:15:03 GMT

By missing a pmt... I mean late by a few days... No recorded lates on my reports at all!!!!

Re: The reigns have been loosened!!!! C1 CLI!!!

colindidit — Thu, 10 Jan 2013 16:51:48 GMT

CONGRATS!! Just got. Call yesterday hoping they'll come through I didn't ask for much just got them to match my chase apr n credit line on all 3. Hopefully they'll do it :)

Re: The reigns have been loosened!!!! C1 CLI!!!

Epcot — Thu, 10 Jan 2013 17:58:17 GMT

Impressive, Congrats on the nice increase!

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Thu, 10 Jan 2013 18:03:09 GMT

Thanks!! I sort of feel like if I'd have asked for $10,000, id get $7500 lol reminds me of GECRB where they like to counter, so aim for the stars! Haha although GE usually doesn't argue or hassle me about a cli! Grrr

it seems like emailing the Exec Office is the way to go!!! It's crazy how protocol works at the corporate level... Oh no... A call won't suffice.. We need to send an email! Hahha ehh

good luck everyone!

Re: The reigns have been loosened!!!! C1 CLI!!!

Cadillac-XTS — Thu, 10 Jan 2013 23:07:25 GMT

Congrats

Re: The reigns have been loosened!!!! C1 CLI!!!

p- — Fri, 11 Jan 2013 00:02:10 GMT

youngandcreditwrthy wrote:
It was just on my $1300 one... The $1700 cl is an Orchard Acct... Kinda sad my Orchard was higher than my C1 lmao! The good thing now is that if I ever need to, I can get a blank check from C1 and have access to my new large credit line :-) I asked for $7500! But $5000 is a milestone for C1!

Did you get them to remove the AF from your Orchard card?

Re: The reigns have been loosened!!!! C1 CLI!!!

sybo40 — Fri, 11 Jan 2013 10:09:27 GMT

CONGRATS! I've only had my cards for a year and I always want to call in on the exec line to ask for a CLI. THEN, I start thinking that I need to chill and wait to see what happens after next year. Besides, I'm not sure if they'll look at the year that I've had the card and then do an HP (which I TRULY do not need right now) and deny me. Besides, there are others who have had their cards much longer (and dealt with cap. one's denials for far longer) than I. So, I figure one less call from someone who hasn't REEEEEEEEEEEEEALLY established that much history makes things a little easier for those that have and truly deserve it after years of frustrations with cap one. Just my own little corner of the world. :-)

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Fri, 11 Jan 2013 16:15:45 GMT

For my AF on my OB Gold of $39... I actually just called the Reg CSR line and asked them to lower it or take it off... I was very nice... the rep agreed to halve it so.. my ONLY AF LOL... was $19.50 this year. So I guess that's not too bad of a price for an six year + tradeline... haha

Next year, I may just AXE them or get CLI... I just HATE AFs, even if many cards with AFs do have higher benefits/rewards.

I think if you have a great FICO and have had the card for a year and a half or two years... you should get a CLI, but C1 is just entirely unpredictable. I've LITERALLY submitted a CLI request with the normal reps EVERY month for the past like..... four years... I have an inbox FULLLLLLLLLLLLLLLL of denials on my C1 online messages account. haha

Best wishes :-)

Re: The reigns have been loosened!!!! C1 CLI!!!

tinuviel — Fri, 11 Jan 2013 16:17:47 GMT

CONGRATS!!! I'm happy that it worked out so well for you! :D

Re: The reigns have been loosened!!!! C1 CLI!!!

p- — Fri, 11 Jan 2013 16:30:43 GMT

youngandcreditwrthy wrote:
For my AF on my OB Gold of $39... I actually just called the Reg CSR line and asked them to lower it or take it off... I was very nice... the rep agreed to halve it so.. my ONLY AF LOL... was $19.50 this year. So I guess that's not too bad of a price for an six year + tradeline... haha

Next year, I may just AXE them or get CLI... I just HATE AFs, even if many cards with AFs do have higher benefits/rewards.

Not bad at all. I'd take that.

Now that my Orchard is free, my only AF account is the Zync, and that's 25 bucks. I'm one of those geeks that actually sits down and figures out how much I would have to spend to make the AF worth it... And it almost never is. I'm still trying to ignore the math so I can have a CSP.

I bet in six months or so your options with your OB card will change dramatically. I just love the idea of changing an old subprime into something nifty.

Re: The reigns have been loosened!!!! C1 CLI!!!

CruzImperial — Fri, 11 Jan 2013 16:32:09 GMT

Nice one there but how exactly did you contact the exec office?

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Fri, 11 Jan 2013 16:38:07 GMT

$25 for a pretty Amex isn't bad haha... at least, aesthetically... haha. I love math, but I hate it because the numbers don't lie!!!! ... I almost wish I had gotten the BCP instead of the BCE because I def buy enough groceries, even if just for myself, to gain benefit from that :-) I can't even imagine turning my OB into a more prime account... hmmm... I should work on getting that one higher next... it's incredible to think that getting one of my oldest tradelines to become usable again is POSSIBLE! haha

:-)

Re: The reigns have been loosened!!!! C1 CLI!!!

youngandcreditwrthy — Fri, 11 Jan 2013 16:38:41 GMT

email...

ceofirstname.ceolastname@capitalone.com

Re: The reigns have been loosened!!!! C1 CLI!!!

p- — Fri, 11 Jan 2013 17:01:36 GMT

CruzImperial wrote:
Nice one there but how exactly did you contact the exec office?

Click the green card in my siggy, and it takes you to a detailed howto thread.

Re: The reigns have been loosened!!!! C1 CLI!!!

p- — Fri, 11 Jan 2013 17:10:03 GMT

youngandcreditwrthy wrote:
$25 for a pretty Amex isn't bad haha... at least, aesthetically... haha. I love math, but I hate it because the numbers don't lie!!!! ... I almost wish I had gotten the BCP instead of the BCE because I def buy enough groceries, even if just for myself, to gain benefit from that :-) I can't even imagine turning my OB into a more prime account... hmmm... I should work on getting that one higher next... it's incredible to think that getting one of my oldest tradelines to become usable again is POSSIBLE! haha

:-)

I know, right? How cool would it be to have your old low limit subprime card start reporting as a high limit prime card?

The way I figure is if I close it, for the next ten years anyone who looks at my report can see that I once had bad enough credit to need that card. If I PC it, that account will look as if I had prime credit going back past 2008.

The truth is, in 2008 I was lucky to qualify for my 300 dollar OB card, with an AF almost 25% of the limit.