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Valued Contributor
Posts: 1,954
Registered: ‎03-30-2012
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2nd Experience with CapOne EO a better one.

I wanted to thank everyone for all the Cap One EO advice I've gathered so far here. It worked out better this time around.

 

Got the official call back yesterday.

 

On a Household Card mind you:

 

  • CLI to $1,000 (asked for $1500, originally)
  • 1% CB on everything

I also asked her if they could do anything with the Secured card...unsecure it, add cash back, give another unsecured CLI, get rid of the annual fee, anything. I was stressing to her that this is an account that I use on a daily basis and that I'd tried to apply for other Cap One products only to be declined for "having too many Capital One accounts."

 

She was saying that do periodically review accounts for unsecuriing (I really doubt that, tbh) but she would be able to do a manual inquiry for me. I'm not expecting anything to be honest, and if they can't do anything, I think I'd be okay paying it off, closing it and then reapplying for the Quicksilver or something.

 

I forgot to ask her about the annual fee for the Household card. I'll ask her about it when she calls me back.

Scores 5/13/2014: TU FICO: 639 | EQ FICO: 645| EX AMEX FICO: TBD

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Valued Contributor
Posts: 1,651
Registered: ‎05-17-2013
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Re: 2nd Experience with CapOne EO a better one.

Good luck with trying to get capital one to do anything with the secured card. I called the eo last night about it she basically said to me that what it says on the website about them giving unsecured credit line increases on the secured card is 99.9% wrong and she is trying to get upper management to remove what it says. However, that being said, I know a couple of people have had success on an increase.
TU08 Fico Score (700)-Goal Score-(750)
AMEX PRG NPSL,AMEX BCE $15,000, Lowes $12000, Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Discover it $6000, Capital One Quicksliver world mastercard $5500, Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500
Mega Contributor
Posts: 16,735
Registered: ‎08-08-2011
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Re: 2nd Experience with CapOne EO a better one.

Congrats!  

Valued Contributor
Posts: 1,063
Registered: ‎07-09-2013
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Re: 2nd Experience with CapOne EO a better one.


injustifiiable wrote:

I wanted to thank everyone for all the Cap One EO advice I've gathered so far here. It worked out better this time around.

 

Got the official call back yesterday.

 

On a Household Card mind you:

 

  • CLI to $1,000 (asked for $1500, originally)
  • 1% CB on everything

I also asked her if they could do anything with the Secured card...unsecure it, add cash back, give another unsecured CLI, get rid of the annual fee, anything. I was stressing to her that this is an account that I use on a daily basis and that I'd tried to apply for other Cap One products only to be declined for "having too many Capital One accounts."

 

She was saying that do periodically review accounts for unsecuriing (I really doubt that, tbh) but she would be able to do a manual inquiry for me. I'm not expecting anything to be honest, and if they can't do anything, I think I'd be okay paying it off, closing it and then reapplying for the Quicksilver or something.

 

I forgot to ask her about the annual fee for the Household card. I'll ask her about it when she calls me back.


Congrats! Maybe they can unsecure a portion, there have been posts where people get that from Cap 1 EO. Good luck!


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Community Leader
Senior Contributor
Posts: 27,115
Registered: ‎02-07-2013
0

Re: 2nd Experience with CapOne EO a better one.

Congrats 

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