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Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Cap1 Executive Office Experience **UPDATED**

[ Edited ]

**UPDATE**

Still haven't received the call back from the EO yet but I logged into my account and the CLI was bumped +$500 to $1250. Lookout! While I'm appreciative I guess they are a really paranoid lender. No HP or SP on TU or EX so maybe they hit EQ? Dang it... the only one I can't see (yet).




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.

 


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it 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



Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Cap1 Executive Office Experience

Congrats on getting some rewards, hope the CLI comes through! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 638
Registered: ‎09-18-2011
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Re: Cap1 Executive Office Experience

I had the exact same experience. She said 3 to 5 days on CLI request. Let us see what happens.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Registered: ‎11-13-2012
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Re: Cap1 Executive Office Experience


tennisfan78 wrote:

I had the exact same experience. She said 3 to 5 days on CLI request. Let us see what happens.


today?


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it 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



Established Contributor
Posts: 638
Registered: ‎09-18-2011
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Re: Cap1 Executive Office Experience


jake619 wrote:

tennisfan78 wrote:

I had the exact same experience. She said 3 to 5 days on CLI request. Let us see what happens.


today?


Yes, just couple of hours ago.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Cap1 Executive Office Experience

Funny.  Meet you back here in a few days then :smileyvery-happy:


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it 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



Established Contributor
Posts: 638
Registered: ‎09-18-2011
0

Re: Cap1 Executive Office Experience


jake619 wrote:

Funny.  Meet you back here in a few days then :smileyvery-happy:


Yup. Hoping that it will be good news!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 437
Registered: ‎03-19-2010
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Re: Cap1 Executive Office Experience

Even if they tell you it's a soft pull and they end up doing a hard pull your chances of getting it removed are slim to none.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Cap1 Executive Office Experience

they told me 3 to 5 days but increase my limit from 500 to 2k next day.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Cap1 Executive Office Experience

SP or HP?


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it 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



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