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Cap1 Credit Increase

New Contributor

Cap1 Credit Increase

Hi everyone,

 

I found out today from the E.O. at Cap 1 that they increased my credit from $300 to $1000. I sent an email on Sunday, received a call on Tuesday and then again today to tell me of the increase.  I had requested $2000 but they gave me $1000.  I thank everyone who posts on these boards because I would not have known what to do...everytime I call ed to request an increase, they would politely let me know that my card wasn't eligible for one.  I am working on rebuilding my credit, so this is a big deal for me.  I had the card for 2 years and it has been at $300 since it was opened (prob because I had 4 30day lates).  I have a Cap 1 cash rewards which is pretty new (also $300 limit) so I will wait that out as well as a Walmart, Macy's and Bloomingdales.  All of the last ocards were opened in Nov 2012.  I have gotten baddies off my credit report and now I feel great because of all the people here who put in the time to share their success and experiences. And especially to the ones that have good/great credit, but still help those of us who are newcomers or just "ignorant" to the whole credit process and made numerous mistakes in the past. Thank you, Thank you and thanks again for your help and advice.

Message 1 of 12
11 REPLIES
Super Contributor

Re: Cap1 Credit Increase

Congrats on the increase and getting rid of those baddies. Happy to hear you're on the right track and improving.
Message 2 of 12
Contributor

Re: Cap1 Credit Increase

Congrats!


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 3 of 12
Contributor

Re: Cap1 Credit Increase

Did you include any personal info, such as your CAp1 account number or anything besides your name? I'm going to send them an email today.

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 4 of 12
Contributor

Re: Cap1 Credit Increase


Bobert22 wrote:

Did you include any personal info, such as your CAp1 account number or anything besides your name? I'm going to send them an email today.


The only personal info I included was my name and phone number. 

I also emailed them from the address associated to the account. 

 

 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 5 of 12
Valued Contributor

Re: Cap1 Credit Increase

Nice going, Congrats! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 12
New Contributor

Re: Cap1 Credit Increase

l just gave them the last 4 numbers of my account and of my ss#. I also gave them my bday.

 

Message 7 of 12
New Contributor

Re: Cap1 Credit Increase

thx everyone!

 

 

 

Message 8 of 12
Highlighted
Regular Contributor

Re: Cap1 Credit Increase

was there a hard inq for the CLI?

699 TU FICO 11/2017
In Garden till Summer 2018
Message 9 of 12
New Contributor

Re: Cap1 Credit Increase

hi,  they told me on the first call that it would be a soft inquiry.

Message 10 of 12