Called to follow up on my email that I sent early Monday morning/late Sunday night. Hadn't heard anything, so I figured I would call today and just get it over with. Nice guy I was transferred to (as he was the one my email was forwarded to) took my information and we went about our business. I wanted a CLI and an APR reduction (from the 19.8% that my Journey card had that followed me to the QS). I was able too get a temporary decrease to 15.99% APR for 7 months! Its something, at least. He said I could call back at the end of that 7 seven months and we can see if anything can be done again either permanently or another temp reduction. He said the APR reduction was an "offer" that I would not have known about unless I called in to request it. So if you are in the market for a lower APR on your Cap1 card, see if they have anything for you. Even a temp reduction is something. They lowered mine almost 4%.
As far as the CLI is concerned, he told me the usual and I am now waiting to hear back in 3-5 business days. I am not really hopeful, but maybe something will come of it. I requested an increase to $3k, which is the minimum limit for the QS card from my measly $500 limit. Told him yes I would take a lower amount if offered. We shall see what happens.
@pip3man wrote:Hey OP I'm not sure if u heard back from Cap One EO but they called me back this morning to verify some identity information since I placed a fraud alert on my file. Afterwards I logged in online and they had increased my CL to $1500... $500 shy away from what I requested but I accept it tho. Way to go for Cap One lol.
That's awesome! Congrats. I am not expecting to see or hear anything from them until sometime early next week. Even the guy i spoke to at the EO said that. However, I am not expecting any CLI at all. My income is really low considering I am a college student who cannot work more than 20 hours/week because my school won't let me. But that hasn't stopped Citi from giving me an almost $3k limit (which I turned into an $1800 limit TYP, which was given a $500 original limit before I moved credit around, and kept my Dividends at its original $1600) and BoA giving me a $2.7k limit. I think I should have let those report before tryig with Cap1 EO. But, hindsight is 20/20