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Valued Contributor
jamesdwi
Posts: 1,751
Registered: ‎09-16-2011
0

Re: Credit Limit Increase from Capital One

Had my oldest CapOne card for 40 months, have gotten 2 CLI's both auto in the first year because of the steps program, No AF.  Have pushed over 3000 though the 2k limit in a single month. Have done PIF, and carried a balance, always paid many times the minimum wage each month, No lates on any credit account ever, Still CLI's are refused and no new auto-CLI's, Only keep it because of no AF, and only 11% interest which is excellent for a near rebuilder card along with zero fee BT's. No offers ever to upgrade. There Customer service is decent if you dont'e expect CLI, they are there to resolve lost cards and possible fraudulent charges. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

Re: Credit Limit Increase from Capital One

Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012
0

Re: Credit Limit Increase from Capital One


CreditChampion wrote:

Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?


Nov. 2011. High 700s. Direct deposite? Nope. Capital One Venture One instant approval $10,000. 0% 12 months, then 13.99%. 10,000 bonus miles.

Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: Credit Limit Increase from Capital One


CreditChampion wrote:

Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?


818 Fico with $100K deposited in a low interest bearing 5 year CD with 3% surrender penalty.  j/k

 

Sorry, couldn't resist.  

 

These Cap One rips never get old, but I've always had a good experience with them.  I've never asked for CLIs, nor have I ever had to call customer service for anything.

Established Contributor
TiggerDat
Posts: 1,033
Registered: ‎10-15-2011
0

Re: Credit Limit Increase from Capital One


Open123 wrote:

CreditChampion wrote:

Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?


818 Fico with $100K deposited in a low interest bearing 5 year CD with 3% surrender penalty.  j/k

 

Sorry, couldn't resist.  

 

These Cap One rips never get old, but I've always had a good experience with them.  I've never asked for CLIs, nor have I ever had to call customer service for anything.


I want to be you, but until then I have to deal with no CLIs...  ... ...   etc.

 

They love telling me they are a conservative lender.  A conservative lender does not lend to people with damaged credit history is the only replay needed when they say that.

 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Credit Limit Increase from Capital One

Cap 1 sucks with cli's, don't get your hopes up.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
TiggerDat
Posts: 1,033
Registered: ‎10-15-2011
0

Re: Credit Limit Increase from Capital One


migliogiorni wrote:

Cap 1 sucks with cli's, don't get your hopes up.

 


I think your odds of getting struck by lightning are a thousand times more likely.

 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
YahComb
Posts: 596
Registered: ‎03-10-2012
0

Re: Credit Limit Increase from Capital One

It's been well established by now that Capital One is the big daddy of subprime lenders, but they still maintain a portfolio of prime customers. Never ceases to amaze me that people still act all surprised that some people can get a nice starting limit and no fee card from them. Guess it's one of those "why let facts get in the way..." things, a lot are just too used to dealing with their subprime products.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
New Visitor
lfonville
Posts: 2
Registered: ‎09-10-2012
0

how can I raise my FICO score

I'm looking to purchase my home in november. although I'm dept free I'm haveing the hardest time getting my FICO score up.

 

 

 

New Visitor
lfonville
Posts: 2
Registered: ‎09-10-2012
0

Re: Credit Limit Increase from Capital One

I've been with Capital One for two yrs never late on a payment and they havent Increase my credit limits yet. what should I do. I have ask them about it and they said they couldnt raise it at this time. WHY IS MY ? I HAVE NEVERRRR BEEN LATE


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