Recently I called the EO to PC my old Plat MC and Visa. When I was told that the CL and interest rate would stay the same, I PC'd my Plat MC (4% interest) to QS. Since my Plat Visa was at 22.9%, I wasn't about to PC that card. The EO offered to consider me for a CLI on that card instead. I said, sure...why not? How much do I want, she asks? A million $, but I'll take less! Ok, $5K, $10K whatever. Will you take less if offered? Sure!
Check 1 day, 2 days..... aw heck, lets go for the venture card! App'd for it and approved for $15K @12.9%! Sweet!
Sooooo, log into Cap 1 to see if Venture is showing yet or if my Plat is now QS..... and.....wait for it..... THERE IT WAS! Cap 1 decided to increase my 13 year old $500 CL card to ......... $1000!! Seriously? These guys have no logic to their decision making these days! ROFLMAO!
Starting Score: 472
@Momof5 wrote:
Recently I called the EO to PC my old Plat MC and Visa. When I was told that the CL and interest rate would stay the same, I PC'd my Plat MC (4% interest) to QS. Since my Plat Visa was at 22.9%, I wasn't about to PC that card. The EO offered to consider me for a CLI on that card instead. I said, sure...why not? How much do I want, she asks? A million $, but I'll take less! Ok, $5K, $10K whatever. Will you take less if offered? Sure!
@check 1 day, 2 days..... aw heck, lets go for the venture card! App'd for it and approved for $15K @Anonymous.9%! Sweet!
Sooooo, log into Cap 1 to see if Venture is showing yet or if my Plat is now QS..... and.....wait for it..... THERE IT WAS! Cap 1 decided to increase my 13 year old $500 CL card to ......... $1000!!
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Congratulations on the $15k Venture approval and that fantastic 4% APR!!! And totally agree with you on their logic.
A 13 year old card with a $500 CL and 700ish credit scores??? Gotta LOVE Capital One, LOL!!!
Gardening Until Further Notice
I agree! EVERY time I hit the luv button I got declined.....could never understand why this card was going nowhere. I keep the card for the age.
@Momof5 wrote:
Recently I called the EO to PC my old Plat MC and Visa. When I was told that the CL and interest rate would stay the same, I PC'd my Plat MC (4% interest) to QS. Since my Plat Visa was at 22.9%, I wasn't about to PC that card. The EO offered to consider me for a CLI on that card instead. I said, sure...why not? How much do I want, she asks? A million $, but I'll take less! Ok, $5K, $10K whatever. Will you take less if offered? Sure!
@check 1 day, 2 days..... aw heck, lets go for the venture card! App'd for it and approved for $15K @Anonymous.9%! Sweet!
Sooooo, log into Cap 1 to see if Venture is showing yet or if my Plat is now QS..... and.....wait for it..... THERE IT WAS! Cap 1 decided to increase my 13 year old $500 CL card to ......... $1000!!
I wonder if Capital One has it set up where they have some internal system for cards for people with bad credit (i.e. $200, $300, etc.. limits) and then cards for people with decent credit who get the big limits. I'm not dishing on anyone because when I defaulted on my old Capital One back in the day I had like a $500 limit. I just got Capital One/HSBC off my reports in 2013. I didn't want to do business with Capital One again because I had never heard of anyone with a serios limit with them. I did a little research here and found that people were getting big limits so I hit that app button and walked away with 25k between two cards. I also told others to apply who were rebuilding and they got the $200 and $300 limits. A few poeple got $1,500 limits. These people got emails from Capital One stating that if they made 5 on time payments they would be considered for increases. I never got such an email on my new accounts so I wonder if they split the cards up internally and that's why they dont grow but you can apply and get a whopper of limit at 15k?
(Formerly known as: Credit is my hobby (1.6M)/TCL objective)