Reply
Valued Contributor
injustifiiable
Posts: 1,865
Registered: ‎03-30-2012
0

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
bigblue7722
Posts: 1,249
Registered: ‎05-17-2013
0

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 (689)-Goal Score-(750)
AMEX PRG NPSL,CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Capital One Quicksliver $3500,Chase Freedom $3200, Discover it $3000,Paypal smart connect $3000, Sallie Mae Mastercard $2900
Mega Contributor
coldnmn
Posts: 13,945
Registered: ‎08-08-2011
0

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

Congrats!  

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Valued Contributor
wHiTeSoL
Posts: 1,059
Registered: ‎07-09-2013
0

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
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

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

Congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}