06-13-2013 10:52 AM
06-13-2013 11:00 AM
Just curious but is everyone that is writing the EO first trying to get a CLI on the phone with cap one and getting declined or are people just going straight to the EO office to try to get the CLI?
06-13-2013 12:26 PM - edited 06-13-2013 12:27 PM
Why is the Capital One Executvie Office email such a mystery? What's wrong with just posting it out right?
I think its to limit the number of people emailing in for CLI at the same time then it will take longer for everyone to hear back. I don't think its supposed to be the primary way you request a CLI, instead its more like a recon after you have been denied. At least that is my understanding of it.
06-13-2013 12:34 PM
06-13-2013 01:01 PM
I agree that the EO route shouldn't be the first step taken, it should be the last when you've exhausted the other options such as the online chat and calling in and talking to a representative. I personally feel that it's something that if you've only been a member of C1 for a few months shouldn't be an option. Most of the people using the EO e-mail have been members for several years and truly need the ear of the executive office to fully understand the scope and depth of what they are trying to do. As has been stated numerous times before I don't think that any of us would like to see this access disappear due to abuse and misuse. Maybe I'm just being conservative, I mean at the end of the day I know the bank is supposed to work for us the customer but I wouldn't really abuse this access. Keep in mind when I used this route I was e-mailing as a member since 2007 that had since exactly one CLI in all that time and even had to go so far as to open another card with them to increase my usability of their product, the second time was to discuss if they could remove a 90 day late from 6 years ago (ready to fall off next year) but is seen as a major derogatory that would prevent me in moving forward in attaining a mortgage at a decent rate.
Just sharing a bit of my experience, hope it helps
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.