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Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
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Re: CAP ONE EXEC OFFICE!

daveg38 check inbox info sent.

 

LesWH  thanks again.  


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

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LesWH
Posts: 608
Registered: ‎10-11-2012
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Re: CAP ONE EXEC OFFICE!


ninjamike81 wrote:

daveg38 check inbox info sent.

 

LesWH  thanks again.  


Anytime!!


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Established Contributor
tennisfan78
Posts: 630
Registered: ‎09-18-2011
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Re: CAP ONE EXEC OFFICE!

I did talk to the lady from executive office, she told me that the annual fee is waived permanently!!! Awesome!! Told me that she would add rewards too. Said that they will do a manual review on the cli and get back in a few days. Hope for the best. Thx guys!

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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CreditJim
Posts: 342
Registered: ‎09-17-2012
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Re: CAP ONE EXEC OFFICE!

I sent an email to the executive office yesterday morning at 9:30am asking for a raise on my two credit cards. One is my first ever credit card, which I've had since 2008 and has been stuck at $300 all this time so I don't even use it. The other card I've had since the end of 2011 and was stuck at $750 after the credit step. A nice lady phoned me within a couple of hours. Asked about my situation and how much I was asking for. I've just logged in now and seen that my limits have been increased $300 > $2000 and $750 > $5000!! Very happy, makes it my highest limit by far!

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calihlove75
Posts: 787
Registered: ‎05-16-2012
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Re: CAP ONE EXEC OFFICE!

Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now.  Stuck at $450 and it has a $59 annual fee attached to it.


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
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Re: CAP ONE EXEC OFFICE!

I emailed last night and have yet to receive a response when's a good wait period?
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
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Re: CAP ONE EXEC OFFICE!


calihlove75 wrote:

Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now.  Stuck at $450 and it has a $59 annual fee attached to it.


Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card.  They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over.  Still a win in my book, as now I don't have to close my oldest credit card.

 

If you don't get anywhere that way, just try again after the transition.

  


colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?

Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: CAP ONE EXEC OFFICE!


p- wrote:

calihlove75 wrote:

Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now.  Stuck at $450 and it has a $59 annual fee attached to it.


Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card.  They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over.  Still a win in my book, as now I don't have to close my oldest credit card.

 

If you don't get anywhere that way, just try again after the transition.

  


colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?

Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.


hmm thanks for the fast response... Do you think they could change the rewards on my MTV or orbitz card to cash rewards and maybe product change to the playstation card? My fiancée has it and I want it . I exactly use the rewards for that lol

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
0

Re: CAP ONE EXEC OFFICE!


p- wrote:

calihlove75 wrote:

Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now.  Stuck at $450 and it has a $59 annual fee attached to it.


Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card.  They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over.  Still a win in my book, as now I don't have to close my oldest credit card.

 

If you don't get anywhere that way, just try again after the transition.

  


colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?

Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.


Thanks

 

I would be happy for them to waive the annual fee for now. I am going to keep it regardless, but I cringe at the very thought of that fee for a useless card without any rewards. However, it is my oldest major credit card on file so I just deal with it,  knowing it at least got me where I am :smileywink:


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: CAP ONE EXEC OFFICE!

[ Edited ]

Omg mostnerve wracking phone call ever...didn't ask me any reason I'd like the increase but asked income investments etc. asked my employment status.. He was very nice though...i won't close if I don't get the increase...but boy do I hope I do... Luckily he addressed it would be a soft pull before I asked.

 

 

 

 Edit : I'm worried . My new limits haven't reported to the credit bureau but for the bank of America I just  got the statement for today already reported...however that will paid off by the end of this month..I hope they don't see that as a red flag as I just used that to consolidate the little debt I had...and none of the payment I made for this past statement have updated and I paid a significant amount off of each card and the credit liMIT increase I'm sure that those decreased the utilization...I hope they can access that somehow..

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...

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