Capital One - OMG!!!!!!

[climbinghigher]

Wow! you must be on top of the world. I get frustrated with Cap 1 because of their limits, but they gave me a card 13 years ago when my credit was horrible! It had a 200.00 limit. It has only increased to 1500.00, and a second one has a 750. limit. They have built my scores above 725 and it has been worth it. I have 2 public records that will drop in 9 months. Maybe then I will get increases. Congrats again.

[tinuviel]

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@climbinghigher wrote:

Wow! you must be on top of the world. I get frustrated with Cap 1 because of their limits, but they gave me a card 13 years ago when my credit was horrible! It had a 200.00 limit. It has only increased to 1500.00, and a second one has a 750. limit. They have built my scores above 725 and it has been worth it. I have 2 public records that will drop in 9 months. Maybe then I will get increases. Congrats again.

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Thanks. Yes, this has made my whole week!

The fact is, I didn't deserve a higher CL with them until quite recently. I was not handling my credit well with the CL that I currently had; my util was waaaaay too high. I was constantly maxing out the card and carrying a balance. When we went through a rough patch, I was late on payments -- not a good combination for putting a creditor at ease. Frankly, I'm grateful that Cap1 never cancelled my account. It was OL and past due a little over a year ago; it's had a perfect payment history for the past year and a 0 bal / PIF with monthly usage since November.

A lot of people complain about Cap1, but the problems that I had were of my own making. I changed my credit behavior and they rewarded me; frankly, with the rocky history that I had with this card, I'm surprised that they did this so soon after getting my act together. I hope to continue having a good relationship with them for a long time to come.

Also, I'm hoping that Cap1 may, in general, start to ease up and start granting more CLIs. Perhaps one will come your way soon, as well.

[Mzvanessa]

Congratulations Tinuviel I remember on one of these Cap One post that you stated that they will show you some love and look they did. I am so happy for you I hope they show me some love as well when I pass my credit steps period.

[Anonymous]

wow! I am happy for you but Ive had a card since 2007 and it has been stuck at $500. I called the backdoor number yesterday was told no again. Think I will call the backdoor number some more because I heard that if you call a lot they often give you a CLI. Its at least worth a try

[Open123]

Congrats!  Awesome news.

For me, seeing this kind of CLI from Cap One is akin to the "must witness one miracle" for Sainthood.

[slarano]

You should read some of the comments in the "Recon a Recon" thread.