Hello all,
If it wasn't for myFICO, I would never have known about the EO route, and would have accepted whatever decision the front line CSR's gave me...lol. I started with Capital One as my very first card while rebuilding. It was the Platinum with $39 AF and $500 CL. The Credit Steps program made it $750 after 5 months. I read about the EO here, and in 3 months emailed them as recommended.
They upgraded me to the Quicksilver One, waived the AF that was coming due, and gave me an increase to $1,500. Six months after that, I hit the luv button and was given $500. Immediately after, I emailed the EO and they did not even mention the $500 I had received. They increased my CL another $1,000, which made my CL $3,000.
I had been trying to get upgraded to the QS, which really only differs in the no AF feature. The EO kept saying it was not possible. So, on the 16th, 6 months later, I emailed the EO and yes, there was an offer to upgrade me to the QS! This offer wasn't on the website, of course...lol. So I am now waiting for the new card. I asked for a CL of $6,000 which in retrospect I should have asked for $10K, since they counter offer. I'll be getting a call next week with the results, even though often the CL increase, if it's given, shows up on the site before the call. I could never have done this without the amazing help here at myFICO. Thank you all!
Congrats on the upgrade and good luck with the CLI! If you get above $5k be sure to ask if it can be upgraded to the WMC. Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@indiolatino61 wrote:Hello all,
If it wasn't for myFICO, I would never have known about the EO route, and would have accepted whatever decision the front line CSR's gave me...lol. I started with Capital One as my very first card while rebuilding. It was the Platinum with $39 AF and $500 CL. The Credit Steps program made it $750 after 5 months. I read about the EO here, and in 3 months emailed them as recommended.
They upgraded me to the Quicksilver One, waived the AF that was coming due, and gave me an increase to $1,500. Six months after that, I hit the luv button and was given $500. Immediately after, I emailed the EO and they did not even mention the $500 I had received. They increased my CL another $1,000, which made my CL $3,000.
I had been trying to get upgraded to the QS, which really only differs in the no AF feature. The EO kept saying it was not possible. So, on the 16th, 6 months later, I emailed the EO and yes, there was an offer to upgrade me to the QS! This offer wasn't on the website, of course...lol. So I am now waiting for the new card. I asked for a CL of $6,000 which in retrospect I should have asked for $10K, since they counter offer. I'll be getting a call next week with the results, even though often the CL increase, if it's given, shows up on the site before the call. I could never have done this without the amazing help here at myFICO. Thank you all!
congrats! what a cool journey with cap1
makes me wanna try that but I don't care for cap1 and their customer service too much so I just don't use their product
@coldnmn wrote:Congrats on the upgrade and good luck with the CLI! If you get above $5k be sure to ask if it can be upgraded to the WMC. Thanks for sharing.
Thank you, Coldnmn...I was not aware of the WMC option.
@indiolatino61 wrote:
@coldnmn wrote:Congrats on the upgrade and good luck with the CLI! If you get above $5k be sure to ask if it can be upgraded to the WMC. Thanks for sharing.
Thank you, Coldnmn...I was not aware of the WMC option.
I noticed someone had over a $5k CL and PM them if they had the WMC they said no. I told them to go through Facebook (they seem to go the extra mile I think for job security) to contact EO. A week later WMC.
CONGRATS to you on your success with the Capital One EO!!! I too started with them as my very 1st credit card and they have been quite good to me. Best wishes to you on your credit journey!!!
Gardening Until Further Notice
@indiolatino61 wrote:Hello all,
If it wasn't for myFICO, I would never have known about the EO route, and would have accepted whatever decision the front line CSR's gave me...lol. I started with Capital One as my very first card while rebuilding. It was the Platinum with $39 AF and $500 CL. The Credit Steps program made it $750 after 5 months. I read about the EO here, and in 3 months emailed them as recommended.
They upgraded me to the Quicksilver One, waived the AF that was coming due, and gave me an increase to $1,500. Six months after that, I hit the luv button and was given $500. Immediately after, I emailed the EO and they did not even mention the $500 I had received. They increased my CL another $1,000, which made my CL $3,000.
I had been trying to get upgraded to the QS, which really only differs in the no AF feature. The EO kept saying it was not possible. So, on the 16th, 6 months later, I emailed the EO and yes, there was an offer to upgrade me to the QS! This offer wasn't on the website, of course...lol. So I am now waiting for the new card. I asked for a CL of $6,000 which in retrospect I should have asked for $10K, since they counter offer. I'll be getting a call next week with the results, even though often the CL increase, if it's given, shows up on the site before the call. I could never have done this without the amazing help here at myFICO. Thank you all!
Grats 
Cap One has been good to me too. Congrats and good luck with the EO.
congrats
