New Member
Posts: 5
Registered: ‎03-21-2013

Capital One EO FTW!

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.

Established Contributor
Posts: 955
Registered: ‎02-02-2013

Re: Capital One EO FTW!

Thats awesome!!  Congrats!! :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
Posts: 591
Registered: ‎05-05-2012

Re: Capital One EO FTW!

Way to go congrats! & welcome to the forums! You'd be surprise at the amount of info. You can learn from here. Its awesome! :smileyhappy:
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
New Member
Posts: 5
Registered: ‎03-21-2013

Re: Capital One EO FTW!

[ Edited ]
Thanks guys, I will be sticking around to learn more about credit. I've never missed a payment since 05 and have had 4 auto loans paid off since, but never looked into CLI every 6 months and calling back door numbers ... This forum has been very informative and helpful I'm so glad I found this site.
Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: Capital One EO FTW!

Very awesome!!!!


Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 72
Registered: ‎12-20-2012

Re: Capital One EO FTW!

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...

Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Established Contributor
Posts: 610
Registered: ‎09-10-2010

Re: Capital One EO FTW!

NICE!!!  Nothing wrong with adding a zero and moving a comma.

TU98 697, TU08 697, EQ 733, EX 691 (As of 7/2014) - Personal Goal = 760+

Gardening since 7-13-14

Valued Contributor
Posts: 1,293
Registered: ‎08-19-2012

Re: Capital One EO FTW!

Wow! awesome increase!

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Valued Contributor
Posts: 2,777
Registered: ‎10-10-2012

Re: Capital One EO FTW!

Welcome and Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
Posts: 120
Registered: ‎03-14-2013

Re: Capital One EO FTW!

Congrats, that is the largest Cap One CL I have ever seen!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+