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Valued Member
Posts: 43
Registered: ‎12-09-2010
0

Re: Capital One - OMG!!!!!!

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.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Capital One - OMG!!!!!!


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.


Thanks. Yes, this has made my whole week! :smileyhappy:

 

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. :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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Contributor
Posts: 92
Registered: ‎02-25-2011
0

Re: Capital One - OMG!!!!!!

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. :smileyhappy:

TU: Fico 678 6-19-13 677 8/23/13
EQ: Fico 665 7-5-13 665 8/23/13
EX: Fico 681 Lender pulled 8/23/13


New Member
Posts: 5
Registered: ‎06-18-2011
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Re: Capital One - OMG!!!!!!

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

Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
0

Re: Capital One - OMG!!!!!!

Congrats!  Awesome news.

 

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

Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: Capital One - OMG!!!!!!

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

myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


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