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CAP 1 EO

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CreditJunkie917
Frequent Contributor
‎06-04-2013 02:35 PM
‎06-04-2013 02:35 PM

CAP 1 EO

When you emai or call into CAP 1 EO, and they review your file, is it an SP or HP if they grant a CLI? Also, do they still hit up all three CRs with those inqs?

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 1 of 11
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asphaltcowboy
Valued Contributor
‎06-04-2013 04:25 PM
‎06-04-2013 04:25 PM

Re: CAP 1 EO

They will contact you, should be a SP, they should advise you first and you agree to a HP


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 2 of 11
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CreditJunkie917
Frequent Contributor
‎06-04-2013 04:26 PM
‎06-04-2013 04:26 PM

Re: CAP 1 EO

OK, that makes sense. But if you agree, will they HP all three?

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 3 of 11
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myjourney
Super Contributor
‎06-04-2013 04:27 PM
‎06-04-2013 04:27 PM

Re: CAP 1 EO

It's a SP with EO

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 11
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CreditJunkie917
Frequent Contributor
‎06-04-2013 04:36 PM
‎06-04-2013 04:36 PM

Re: CAP 1 EO

Cool. just one more question. I've had my secured card since early 2011 and my CR since last august. When would be a good time to hit up EO, since I'm pretty sure my limit on the CR isn't going to go anywhere, based on the history of CAP 1? 

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 5 of 11
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myjourney
Super Contributor
‎06-04-2013 04:44 PM
‎06-04-2013 04:44 PM

Re: CAP 1 EO

@CreditJunkie917 wrote:

Cool. just one more question. I've had my secured card since early 2011 and my CR since last august. When would be a good time to hit up EO, since I'm pretty sure my limit on the CR isn't going to go anywhere, based on the history of CAP 1? 

I'm guessing CR=cash rewards if so hit them up now and don't look for much on secured cards they will just tell you to apply for an unsecured card

I got 2 cap1 last June 2012 got both increased in Feb of this year (doubled both)

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 11
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CreditJunkie917
Frequent Contributor
‎06-04-2013 04:48 PM
‎06-04-2013 04:48 PM

Re: CAP 1 EO

Yeah its my cash rewards card. thanks! Since i'm deployed, would I be able to get some kind of resolution over email, or would it make sense to do it when I get home later this month? I've been reading that alot of people have had to take phone calls from their CSRs.

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 7 of 11
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myjourney
Super Contributor
‎06-04-2013 04:51 PM
‎06-04-2013 04:51 PM

Re: CAP 1 EO

@CreditJunkie917 wrote:

Yeah its my cash rewards card. thanks! Since i'm deployed, would I be able to get some kind of resolution over email, or would it make sense to do it when I get home later this month? I've been reading that alot of people have had to take phone calls from their CSRs.

It can only be done with a return call from them so its best in your case to do it when your available to receive phone calls during business hours 9-5 

Be safe and blessedSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 11
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CreditJunkie917
Frequent Contributor
‎06-04-2013 04:53 PM
‎06-04-2013 04:53 PM

Re: CAP 1 EO

Thanks for the help and info. And I will be!!

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 9 of 11
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asphaltcowboy
Valued Contributor
‎06-04-2013 05:06 PM
‎06-04-2013 05:06 PM

Re: CAP 1 EO

Good luck to you, be safe and THANK YOU!!!Smiley Happy


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 10 of 11
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