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Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012

Cap 1 7 day letter

Yesterday I took on Cap 1 as I see my card has transitioned from the old Orchard Bank site to the new Cap 1 logon. I have had the Orchard card since 2007, never late, current FICO 755, no baddies, etc. My orchard card is at $420 CL. As I was speaking to the CSR, I discussed my paltry limit and told them I had cards with much higher limits (e.g., Citi at 11K), how grateful I was to have had the card to rebuild my credit, etc. I told them I didn't want a HP so the CSR suggessted I use the luv button to get an increase. I signed on and got a response of "you will receive a letter in 7 days". I wasn't very happy!!!

 

What has anyone's experience been with this type of reply or should I contact the EO?

 

If anyone thinks the EO would be the answer, could you please PM me the EO number?

 

Thanks a lot in advance!

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Established Member
jprncess
Posts: 13
Registered: ‎07-20-2011

Re: Cap 1 7 day letter

It seems most of what I've read on here is it is due to transition. I also requested a CLI when my Orchard went over and got the letter, which posted electronically in my cap 1 account that during the transition they weren't doing increases.
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013

Re: Cap 1 7 day letter

I got that message for two of my cards.  I've been with Capital One for 9 years now, so as someone else did, I contacted them through FB and they escalated my concerns.  They responded within 8 hours too.  Now I'm just waiting on the results.

Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012

Re: Cap 1 7 day letter

Thanks for the reply. I am on FB and I know this seems stupid but did you just send them a message through FB or exactly how should I do this?

 

Thanks!

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Regular Contributor
LLMT
Posts: 109
Registered: ‎04-29-2013

Re: Cap 1 7 day letter

I saw their email address floating around in the comments and used that successfully. You could also just message them.
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013

Re: Cap 1 7 day letter

[ Edited ]

seat3a wrote:

Thanks for the reply. I am on FB and I know this seems stupid but did you just send them a message through FB or exactly how should I do this?

 

Thanks!


At the top of my letter, I put my legal name, address and phone number since I use a different last name on FB.  I didn't include personal account numbers or anything like that.  I did this via the messaging feature.

 

I politely begged for an increase on all 3 of my accounts, but specifically my 9 year old account.  I don't have my current CR's, but I just got approved for a Chase Sapphire at 5K, so I don't think it's that bad.  I also asked for the AF's to be waived and rewards for the 2 accounts that don't have it.

 

I told them why I felt I deserved an increase..on time payments, good credit history, the fact that $500 isn't much to use.  I just added whatever I thought would help my case.  In reading all the posts on here, I got some good ideas of what I thought would be good to write as long as my situation matched it.  I also let them know that I did use the CLI feature and my income info was updated through their website.  I didn't make a specific increase request though...thinking back, I should have.

 

I did this around midnight or 2am and at 8:55am est I had a response that my concerns had been escalated.  Before I did that, I had used the CLI button for two accounts but got the 7-10 msg.  Now, I logged in and see the oldest account was increased by $500, but out of a $1,000 CL, only $500 is available....have no idea if it came from the button or FB.  I also don't know why it says only $500 is available.

 

Someone graciously pm'd me the EO e-mail address, but since I did FB, I didn't use it.  I'll update if they contact me or I get anymore information.

 

Edited for errors.

Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012

Re: Cap 1 7 day letter

Thank you SO much for taking the time to write all the steps you went through!

 

As a backup, could someone PM me the EO phone number.

 

Thanks again!!!

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13

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