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C1 help!!!

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dk2003
Regular Contributor

C1 help!!!

I have repeatedly tried to get CLI from C1 and it's been declined. Not sure why... my score has drastically increased since I opened the two accounts. since they have refused I tried to send an email but with no response. So I applied for and was approved for 2 other cards citi and discover. After that I send the EO an email and they called today but I was at work. I'm wondering, should I tell them about the two new cards? I'm sure they will see it when they do a softie... all I want is an increase on both cards or ill cancel them both and transfer the balances to the new cards. What are your thoughts on how to proceed Monday when I call back??? (sorry about the typos... I was using my cell phone)

 

 

UPDATE...  I never received a call back but they increased form $500 to $1500 and $300 to $1500 and then I applied for Venture and was approved for $10000

Message 1 of 7
6 REPLIES 6
NRB525
Super Contributor

Re: C1 help!!!

C1 = Capital One and not Credit One?

What are your scores from MyFICO?

 

If Capital One, and your scores improved, if the limits on the Capital One accounts are three digits (like $300 or $500) then your best bet is to app for a new Capital One card for no AF and see if you get a higher limit.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 7
dk2003
Regular Contributor

Re: C1 help!!!

I know my score w TU per credit tracker is 724. and yes I do mean Capital One Smiley Happy

Message 3 of 7
NRB525
Super Contributor

Re: C1 help!!!

Ok, so consideration should be given to another CapOne card, and if you app for that, you may find a larger CL.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 7
dk2003
Regular Contributor

Re: C1 help!!!

but should I perhpas wait until after I have spoken with them about the current situation?

Message 5 of 7
dk2003
Regular Contributor

Re: C1 help!!!

I want to app for chase freedom. I know they pulled Exp for my wife...

Message 6 of 7
Anonymous
Not applicable

Re: C1 help!!!

No. Like the op said, if Capital One didn't increase you automatically on the Credit Steps program after 5 months, the cards you have aren't designed to grow your credit limits.

 

It's time for you to apply for  a Quicksilver or Venture card, and if those don't work then make the phone call.

Message 7 of 7
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