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CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!

Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


IECredit wrote:

I have the RZ Gold card, i guess we don't have the option for an online CLI =/


you could see as a 1st step by calling backdoor number if your account can be offered any type of increase and even try to find out what holds for the future on your account there are threads written by other people getting cli's with the gold card version.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Super Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!

They pulled hard inquiry from TU when I requested CLI for RZMC. That was six months ago. It's probably not hard pull free.

 

 

Ron.

Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!

well they wont be giving me one anytime soon. since my balance is 70% of my limit. interest free of course. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!

I have the store only version and about two years ago requested an increase online while logged in and was instantly approved with a SP. I don't want to try again if it will result in a HP this time.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


Epcot wrote:
I have the store only version and about two years ago requested an increase online while logged in and was instantly approved with a SP. I don't want to try again if it will result in a HP this time.

i posted in another thread. 

i asked for a cli on a store card back in july but denied on soft pull. 

they pulled my moms credit as its a joint account and was denied due to her bk even though they approved her with it. go figure

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!

Is this card worth applying for? Is the application still opposite of how GE does theirs? (Apply and get counter offered the RZMC if not approved for the store card).
TU 746 (10/13)
GOAL: 750+






Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


Tran92 wrote:
Is this card worth applying for? Is the application still opposite of how GE does theirs? (Apply and get counter offered the RZMC if not approved for the store card).

yes, supposedly the store card is more difficult to obtain. 

usually higher cl and no af. 

 

as for usefullness it is if you shop at best buy alot. 

in the 2 years ive had the card ive retained plat status for both (spend 2k or more in a calender year) 

 

which give free expidited shipping 

more rewardzone points for your purchases 

and the usual 6,12,18,24 month 0% deals. 

 

if you just have the card though its just a card to use at best buy. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


Ron1 wrote:

They pulled hard inquiry from TU when I requested CLI for RZMC. That was six months ago. It's probably not hard pull free.

 

 

Ron.


Just checked both TU and EQ reports using fico holiday promo offering and no hard pull from cap one I am happy about this one.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Valued Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


Tran92 wrote:
Is this card worth applying for? Is the application still opposite of how GE does theirs? (Apply and get counter offered the RZMC if not approved for the store card).

If you shop for electronics at best buy it is good for the 0% financing opportunities, but you can get good electronic buys at amazon.com.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Regular Contributor

Re: CAPITAL ONE/BBRZMC ARE HANDING OUT CLI'S!!!


creditnocash wrote:

Tran92 wrote:
Is this card worth applying for? Is the application still opposite of how GE does theirs? (Apply and get counter offered the RZMC if not approved for the store card).

yes, supposedly the store card is more difficult to obtain. 

usually higher cl and no af. 

 

as for usefullness it is if you shop at best buy alot. 

in the 2 years ive had the card ive retained plat status for both (spend 2k or more in a calender year) 

 

which give free expidited shipping 

more rewardzone points for your purchases 

and the usual 6,12,18,24 month 0% deals. 

 

if you just have the card though its just a card to use at best buy. 


I got this from their site. 

 

"When you submit your application below, we will first consider you for a Reward Zone® Platinum MasterCard. Based on your creditworthiness, if you do not qualify for this product, we will automatically consider you for the Reward Zone Credit Card, which is a private label card."

 

So it changed? 

TU 746 (10/13)
GOAL: 750+