Credit Card Center Advertiser Disclosure

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0 Kudos

Re: Cap1 Executive Office Experience

jake619 wrote:

So after online and customer service CLI rejections I called the EO and spoke to a very nice woman.  I explained to her since my Cap1 approval my credit profile had become more desireable and I was now being approved for cards with rewards, no AF and higher CL's.  I asked her if Cap1 was interested in growing with me and if so, how?  She reviewed a little and confirmed my initial CL was 500 and was bumped to 750 some months later.  So far so good.  Keep in mind I have the low-end Cap1 Platimum $19 AF card.


She asked some financial info; income, housing, investments, employment - the standard stuff and then told me that although she was unable to PC the card she would waive the AF (due in March!!!) and add rewards to it and submit my account for manual review for a CLI.  "How much do you want", she asked, "and would you accept a partial CLI if we can't grant you what you requested".  Umm, yea, and let's go for 5K.  I must have asked twenty times if the review would be a SP or HP - each time she said SOFT.  The call was recorded so not too worried about that part.  She asked if I wanted one mile per dollar spent or 1% cash back as the reward and that I could have only one.  I took the 1%.


So even if the CLI is minimal or even rejected, at least the AF is waived and there are some rewards.  I wasn't getting anything before which is why this card was SD'd but now NetFlix will get me a whopping .08₵ back.  Yea!!!  Drinks on ME!!!  Kinda funny to look at it that way.


Also, when she asked how I got the number I told her a relative had a bad experience with customer service and the EO was very accommodating (lies and more lies), and that I hoped for the same experience myself (that part is true).


Fingers crossed on CLI.

Fingers crossed for you!!!


I'm very surprised they haven't found out about here yet as far the EO #.

EQ FICO 548 3/3/16
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0 Kudos

Re: Cap1 Executive Office Experience

Post #1 updated with results

GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.