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Advice for my next attempt at Capital One?

New Member

Advice for my next attempt at Capital One?

My husband has had a Capital One card since 9/2011.  Credit limit is $300, 100% on time payment history and current balance $47.20. I requested a CLI through online chat and was denied.  What is the next step we should take?  I like the rewards on the card (we more than cover the $39 annual fee with them each year) and he has a First Premier card that I want to cancel ($10.50/mo service fee). I don't want to cancel the First Premier card until I make up the $700 limit on another card. My hope was to get a CLI at Capital One (from $300 to $1000) so I can close the First Premier card.  His myfico score was 741 as of this morning. Any suggestions?

 

Thanks!

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2 REPLIES
Valued Contributor

Re: Advice for my next attempt at Capital One?

The only way you are going to get a CLI on that card is through the executive office.  

 

My suggestion:

Close both of them and get a Discover IT, Sallie Mae, and Chase Freedom.  Both have vastly better rewards and the limits will be much better.  With a 741 FICO there is no reason to be in subprime Hell.

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Frequent Contributor

Re: Advice for my next attempt at Capital One?

Send a Email to a Cap 1 Executive

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
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