03-29-2013 11:57 AM
Hey guys this time last year I couldnt get any credit card. I found this site and lurked until i registerd almost 1 year later. You all know the same story young dumb and full of credit card dept (well not exactly cc). I got the capital one secured card april last year with the $99 and $200 credit limit. So i charge and pay in full every month while raising my limit to $750.00. I wait till the end of feburary and apply for the capital one rewards card and got approved first shot for $500. I call and ask for a cli cause it is lower then my secured card and i want to take advantage of the reward without having to keep going to the bank multiple times to pay off my card if i charged alot. So i look at the back door numbers and call with no luck, they tell my i just got the card and wait. Okay so I was lurking here and came upon a post where someone complained on the capital one facebook page and got results, so I say what do I have to lose. I logged in facebook and took action the there page with my comment. I later get 3 emails spaced out telling me they recieved my comment and to call a specific person (dont know if It is okay to give there name and number here) I tell him what I want $1500.00 limit he ask if i couldnt get that limit would i accept something else, I said sure. He till me he will call me back today, well he did and told me my limit was $1500.00 effective now.
Thanks so much to the people who have posted there results, tips and tricks without you I would be stuck in limbo. Oh ya it was a soft pull also.
03-29-2013 12:16 PM
Congratulations on your success
That is a nice improvement 500 > 1500
03-29-2013 12:18 PM
Thats awesome!! I too have had a Cap one card for over 4 years with no CLI at all......they always told me no over the phone. So i gave up..lol
03-29-2013 01:08 PM
03-29-2013 01:16 PM
Yeah, the EO is the way to go.. LOL forget those ill informed CSRs.
03-29-2013 01:34 PM
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.