Capital One - OMG!!!!!!

[tinuviel]

Please pass the smelling salts, I'm going to faint.............

My Visa card that I've had since 1999 that has never had a CLI, has just received a

$5000 CLI!!!!!!!!!!!!!!!!!

I now have a $6400 CL with Cap 1!!!!!!!!!!!!!!!!!!!!

And I didn't even ask for it. WOW!!!!!!!!!!!!!!!

(Jumping up and down...)

I guess they DO review accounts!

[Datx]

Wow, congrats! I think we are seeing more and more of these bigger CLIs from Cap One. Awesome stuff!

[KIPPIE12]

Super Congrats!  I'll have to keep an eye on mine also.

[mross1080]

Congrats!

[tinuviel]

Thanks! Oh, I'm so giddy!!! I really wasn't expecting this!

I logged in again to make sure it wasn't a mistake, and I found the following in the documents tab:

For your account ending in: xxxx
Dear (tinuviel),
Ready to enjoy more buying power? Well, grab your shopping list and your
Capital One®card because:
Your credit line has been increased by $5,000.00, for a total credit line of
$6,400.00.
Control. Time to take care of that "honey-do" list. Head to the home improvement
store for tools and materials. Or take care of yourself__join a gym and get into
shape. Your credit line increase is ready and waiting. You make the plans, we've
made the spending room.
Save. If you want to unload some higher interest rate balances and possibly
enjoy more time and money for yourself, well__your new credit line can help with
that, too. You decide.
Enjoy. Sit down and make plans for some special celebrations. You deserve it.
Thanks for being our customer. We hope you enjoy your new credit line increase!

So, I guess it's not a mistake. This will do a lot to help with my util. I was going to hang on to Orchard Bank for another year, but now I don't need to spend an AF to hang onto a $400 CL card. So, next month I'll call them up and tell them it's been great, but it's time to say goodbye.

My AF on the Cap1 card comes up in Jan. Perhaps at the end of the year I'll call and ask if they can reduce or waive the AF. It seems to me that, in their eyes, I may have moved up from "average" credit, so perhaps I can get some better terms. Rewards would be wonderful, but at least an AF and/or APR reduction.

Oh, I'm just sooooooo happy!!!

[tntexans72]

congrats...better late than never

[LS2982]

---

@tinuviel wrote:

Thanks! Oh, I'm so giddy!!! I really wasn't expecting this!

I logged in again to make sure it wasn't a mistake, and I found the following in the documents tab:

For your account ending in: xxxx
Dear (tinuviel),
Ready to enjoy more buying power? Well, grab your shopping list and your
Capital One®card because:
Your credit line has been increased by $5,000.00, for a total credit line of
$6,400.00.
Control. Time to take care of that "honey-do" list. Head to the home improvement
store for tools and materials. Or take care of yourself__join a gym and get into
shape. Your credit line increase is ready and waiting. You make the plans, we've
made the spending room.
Save. If you want to unload some higher interest rate balances and possibly
enjoy more time and money for yourself, well__your new credit line can help with
that, too. You decide.
Enjoy. Sit down and make plans for some special celebrations. You deserve it.
Thanks for being our customer. We hope you enjoy your new credit line increase!

So, I guess it's not a mistake. This will do a lot to help with my util. I was going to hang on to Orchard Bank for another year, but now I don't need to spend an AF to hang onto a $400 CL card. So, next month I'll call them up and tell them it's been great, but it's time to say goodbye.

My AF on the Cap1 card comes up in Jan. Perhaps at the end of the year I'll call and ask if they can reduce or waive the AF. It seems to me that, in their eyes, I may have moved up from "average" credit, so perhaps I can get some better terms. Rewards would be wonderful, but at least an AF and/or APR reduction.

Oh, I'm just sooooooo happy!!!

---

Was this a secured/unsecured card?

[tinuviel]

---

@LS2982 wrote:

---

@tinuviel wrote:

Thanks! Oh, I'm so giddy!!! I really wasn't expecting this!

I logged in again to make sure it wasn't a mistake, and I found the following in the documents tab:

For your account ending in: xxxx
Dear (tinuviel),
Ready to enjoy more buying power? Well, grab your shopping list and your
Capital One®card because:
Your credit line has been increased by $5,000.00, for a total credit line of
$6,400.00.
Control. Time to take care of that "honey-do" list. Head to the home improvement
store for tools and materials. Or take care of yourself__join a gym and get into
shape. Your credit line increase is ready and waiting. You make the plans, we've
made the spending room.
Save. If you want to unload some higher interest rate balances and possibly
enjoy more time and money for yourself, well__your new credit line can help with
that, too. You decide.
Enjoy. Sit down and make plans for some special celebrations. You deserve it.
Thanks for being our customer. We hope you enjoy your new credit line increase!

So, I guess it's not a mistake. This will do a lot to help with my util. I was going to hang on to Orchard Bank for another year, but now I don't need to spend an AF to hang onto a $400 CL card. So, next month I'll call them up and tell them it's been great, but it's time to say goodbye.

My AF on the Cap1 card comes up in Jan. Perhaps at the end of the year I'll call and ask if they can reduce or waive the AF. It seems to me that, in their eyes, I may have moved up from "average" credit, so perhaps I can get some better terms. Rewards would be wonderful, but at least an AF and/or APR reduction.

Oh, I'm just sooooooo happy!!!

---

Was this a secured/unsecured card?

---

Unsecured.

[mindacid]

That is absolutely out of this world.  Congratulations!

I just got a Cap One No Hassle Rewards MC this year with a tiny $500 CL.  I hope to have similar success to yours one day.  Enjoy!

[Anonymous]

Grats, that's a great increase (especially from Cap1)! I'm sitting on a measly $750 on my unsecured card from them and all I get is the "accounts are periodically reviewed" or whatever their canned response is when I ask about a CLI. Glad someone's having luck with it WITHOUT having to ask for an increase!