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Cap One CLI -- should we try?

Senior Contributor

Cap One CLI -- should we try?

Due to an accounting error on my part, a payment to Cap One on DH's card was returned last week. WE IMMEDIATELY paid it with another banking account and all is well now.

It does still carry a balance, though -- that we will be taking care of ASAP.

Should we even bother to call and attempt a CLI? Our third statement hits early next month and other than this boner, we've paid on time (early, early, early) and had no other problems. Previously to this, we've also paid in full immediately.

Should we attempt it? Or wait until the auto hits (I assume) on the third statement? Should we pay it off prior to asking for a CLI?

Any and all suggestions MUCH appreciated, thanks!! Smiley Happy

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Message 1 of 5
4 REPLIES
Senior Contributor

Re: Cap One CLI -- should we try?

Anyone? Please?

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Message 2 of 5
Regular Contributor

Re: Cap One CLI -- should we try?

Are you on credit steps?  I wasn't in that program myself, so I can only go from what I've read other people post...but from what I gather if you have a late payment while you're on credit steps they give you another chance for another 3 months.  I don't know if that's the same as if it's a returned check.   I do know though that they don't do hard pulls and there's no harm in asking for one.  I would still call the backdoor number after your third statement posts.  The worst that can happen is they say no! Smiley Happy
4/20/09
Me 696 EX, 709 EQ, 739 TU
DH 734 EX, 699 EQ, 758 TU
Message 3 of 5
Established Contributor

Re: Cap One CLI -- should we try?

Don't know (Cap1 is far too strange for me to fathom), but giving a bump for lovely Wonderin! Smiley Happy
EQ: 723 / TU: 760 (August 2009)
Message 4 of 5
Highlighted
Established Member

Re: Cap One CLI -- should we try?

I have a CapOne CC that I opened at the beginning of the year. I accidently paid my card two days late a couple months ago. I immediately made a payment and then a week or so later I sent them an e-mail from my account. I said that I made a mistake and will not let it happen again. Within 48 hours I received an e-mail back that my account was credited the $39 late fee. I paid my card in full at about the same time so my account actually had a credit. A couple weeks after that I called and received a $500 CLI doubling my CL. I started at $300.
Message 5 of 5