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Capital One - "You deserve more credit"

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mygoal750
Contributor

Re: Capital One - "You deserve more credit"

I checked my CapOne account on Tuesday, April 1.  I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer.  I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!).  But, CapOne gave me the "7-10 day" response.  I got the letter yesterday, and it said it was due to the account not having any activity since last August.  I've gotten CLIs on most of my other cards over the last 6 months, so was surprised.  I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up.  I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines.  Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!

Message 11 of 15
-Wade-
Valued Contributor

Re: Capital One - "You deserve more credit"


@Seatown1two wrote:

Logged in to my account tonight and got a message just before the login screen that's titled "you deserve more credit", answered a few questions and BAM.  CLI of 1500.  Has this happened to anyone else?  Anyone ever get denied who went through this process?


Congrats on your CLI Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 12 of 15
SunriseEarth
Moderator Emeritus

Re: Capital One - "You deserve more credit"


@mygoal750 wrote:

I checked my CapOne account on Tuesday, April 1.  I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer.  I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!).  But, CapOne gave me the "7-10 day" response.  I got the letter yesterday, and it said it was due to the account not having any activity since last August.  I've gotten CLIs on most of my other cards over the last 6 months, so was surprised.  I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up.  I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines.  Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!


Or they don't like the fact that they get no swipe fees from you not using their CC.  Cap One definitely likes use. 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 13 of 15
SunriseEarth
Moderator Emeritus

Re: Capital One - "You deserve more credit"


@Seatown1two wrote:

Logged in to my account tonight and got a message just before the login screen that's titled "you deserve more credit", answered a few questions and BAM.  CLI of 1500.  Has this happened to anyone else?  Anyone ever get denied who went through this process?


Congrats!  And no, I've had to fight to get CLIs from Cap One.  Oh well. 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 14 of 15
Longroad
Established Contributor

Re: Capital One - "You deserve more credit"


@SunriseEarth wrote:

@mygoal750 wrote:

I checked my CapOne account on Tuesday, April 1.  I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer.  I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!).  But, CapOne gave me the "7-10 day" response.  I got the letter yesterday, and it said it was due to the account not having any activity since last August.  I've gotten CLIs on most of my other cards over the last 6 months, so was surprised.  I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up.  I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines.  Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!


Or they don't like the fact that they get no swipe fees from you not using their CC.  Cap One definitely likes use. 


I don't know what they want. I use both of mine up to the limit and PIF almost every month. Had one since June 12 and the other since Oct 13 and both are still at $300 right where they started. Have tried the luv button and the EO and nota. Did get the AF removed at least so I will keep them and try one more time at least before sending them to the SD

 

Message 15 of 15
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