Credit Card Center Advertiser Disclosure†
03-21-2013 11:50 PM
After my friend got his identity stolen I decided it was a good time to maybe start monitoring my credit reports, I found out my old C1 card was still reporting and decided to get a replacement card. My starting limit was $1500 back in 05' when I was just starting my credit journey...
After I got my replacement card I called in to get a CLI and was declined due to "This Capital One account is not currently eligible for a credit line increase upon request" I tried calling and and asking over chat, but they kept decling me and said I would get a letter in the mail in 7 days... At this point I was like **bleep**?!? My current limits on my other cards are in the 15-25K range and I have a 790 fico score across the board.
So I did what anyone else would do... I googled' "capital one credit increase" and found this great forum! TY myFICO! =)
After reading thru a few threads I decided to shoot the facebook team a msg and I got a super fast response back asking me to email them my request. The next day I received a call from the EO dept, I put in my request from $1,500 to 15,000. EO rep advised me he would put in a request for a manual review and will call me back in about 2 days. Today I received the call, he advised me the request was approved w/ a soft pull and he also added cash rewards to my account. EO dept FTW! He gave me his contact again for future reference and told me to contact him for any other request or questions. The EO dept has awesome service, wish I didn't have to go this far but hey I guess it works.
03-22-2013 12:42 AM
Thats awesome!! Congrats!!
03-22-2013 04:01 AM
03-22-2013 08:22 AM - edited 03-22-2013 08:23 AM
03-22-2013 09:08 AM
i contacted them last week and this morning my limit was increased from 500 to 750. I initially requested 3000 but only got a 250 dollar increase. Well something is better than nothing but not happy at all...
03-22-2013 09:27 AM
NICE!!! Nothing wrong with adding a zero and moving a comma.
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
03-22-2013 10:14 AM
Wow! awesome increase!
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.