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Annoyed with Capital One Credit Card! HELP!

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gmuneroli
New Member

Re: Annoyed with Capital One Credit Card! HELP!

I chat online with a Capital One "specialist" earlier and although they offered to upgrade mine to the quick silver, the credit limit would stay the same at 750. Smiley Mad Not sure what to do at this point. Should I just upgrade it and wait a couple month then ask for the cli again?

Initial Score (2011): 745
(2012) Score: 683, big drop due to auto and student loan
Current Score: 715
Goal Score: 750
Message 11 of 22
gdale6
Moderator Emeritus

Re: Annoyed with Capital One Credit Card! HELP!


@gmuneroli wrote:

I chat online with a Capital One "specialist" earlier and although they offered to upgrade mine to the quick silver, the credit limit would stay the same at 750. Smiley Mad Not sure what to do at this point. Should I just upgrade it and wait a couple month then ask for the cli again?


These are not the people to talk to they are just regular CSRs as stated you need to contact the Executive Office (you can Google it) and ask for your PC & CLI from them they are the only ones who can help you if you want the limit raised.

Message 12 of 22
subwaysandwich
Frequent Contributor

Re: Annoyed with Capital One Credit Card! HELP!

close the card

Message 13 of 22
SunriseEarth
Moderator Emeritus

Re: Annoyed with Capital One Credit Card! HELP!


@gdale6 wrote:

@gmuneroli wrote:

I chat online with a Capital One "specialist" earlier and although they offered to upgrade mine to the quick silver, the credit limit would stay the same at 750. Smiley Mad Not sure what to do at this point. Should I just upgrade it and wait a couple month then ask for the cli again?


These are not the people to talk to they are just regular CSRs as stated you need to contact the Executive Office (you can Google it) and ask for your PC & CLI from them they are the only ones who can help you if you want the limit raised.


+1.   You just talked to a frontline CSR (but I'd take the upgrade, anyway). 



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 22
gmuneroli
New Member

Re: Annoyed with Capital One Credit Card! HELP!

I took the upgrade ofer since 1.5% cash back is a pretty awesome deal. I figured I'll  just wait a couple months and ask for a cli again. Just seem like a lot of trouble to go through for a cli though. Sigh. That's the only thing I dislike about Capital One. 

Initial Score (2011): 745
(2012) Score: 683, big drop due to auto and student loan
Current Score: 715
Goal Score: 750
Message 15 of 22
nmac
Regular Contributor

Re: Annoyed with Capital One Credit Card! HELP!

Unless your gpin


@gmuneroli wrote:

I took the upgrade ofer since 1.5% cash back is a pretty awesome deal. I figured I'll  just wait a couple months and ask for a cli again. Just seem like a lot of trouble to go through for a cli though. Sigh. That's the only thing I dislike about Capital One. 


Unless you contact the executive office it is very unlikely that capital one will give you a credit line increase till 6 months has passed from the date of your previous CLI request. I was denied recently with the reason that 6 months needs to pass before a CLI can be granted. The day after 6 months my CLI was granted. 

Quick Silver 2k - Discover 4.3K - Chase Freedom 7.6K - Venture 13K
Citi Double Cash 3.5K - Amex SPG 5K - CSP 5K - Arrival+ 3K
SW Premiere 5K - Citi TY Premiere 3.7K - FNBO Sun Country 3.6K
BOA Cash Rewards 5K - DCU Platinum 10K - Spirit 5K
Message 16 of 22
clocktick
Valued Contributor

Re: Annoyed with Capital One Credit Card! HELP!

I was denied last month for not using their card 4 months in a row.  Have had the account since 2008.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 17 of 22
wacdenney
Valued Contributor

Re: Annoyed with Capital One Credit Card! HELP!

Capital One is a great sub-prime lender for rebuilding, but once you achieve your goals they have no interest in maintaining relationships with you.  My understanding is that they will not do a PC from a product with an AF to one without an AF.  This was my experience also.  Having to email and wait in order to get the fee waived every year is ridiculous IMO.  I just went got done jumping through all their hoops for this year, but I wont be doing it again.  My QuickSilver One cards will both be closed before the fee hits again. 

Message 18 of 22
Pat94108
Frequent Contributor

Re: Annoyed with Capital One Credit Card! HELP!

I would close the card as well. You have to beg Capital One for CLI, not worth it and you obviously don't need the card since you have higher limits with other lenders. 

Message 19 of 22
Creditaddict
Legendary Contributor

Re: Annoyed with Capital One Credit Card! HELP!

No reason to wait, just email the president of capital one and the exec. office will call you in a matter of hours to a day or 2 depending how busy they are and go over what you are wanting... Now that you have the upgrade already, I would ask for AF to be removed and as others said ask for CLI to $5k.  They will ask you if you would accept less than $5k if needed and you can say yes and they will call you back usually in a couple of days with what they were able to do.

It's all done with a soft pull and easy process.

Message 20 of 22
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