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New Contributor
Posts: 112
Registered: ‎10-05-2007
0

Re: Capital One now officially rocks!

I currently have a CapOne card with a 1000 limit and can't get a CL and I've had the card about five years now.  They tell me my card is unable to receive CL but I could apply for a new card with a higher CL with them.  I don't want the inquiry and I don't use the card (I really want the CL to round out with my other, higher CLs) but I'm glad everything worked out for you.
Valued Contributor
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Capital One now officially rocks!



mrsanderson wrote:
Congrats Those Backdoor numbers Really work!!! LOL i got approved for a Chase BP Int CL was 600 I called the backdoor number asked for 1000CL got it w/o them pulling a new CR bc its not activated yet!!! Last nite Im happieeeeeee 2


Message Edited by mrsanderson on 06-07-2008 04:46 PM

What number did u use?
 
 
OP congrats.
IN VINO VERITAS.
Frequent Contributor
Posts: 333
Registered: ‎03-19-2008
0

Re: Capital One now officially rocks!

"Capital One now officially rocks!"
 
WHOA!
that's a very strong statement to make hahahaha
 
Congrats on your CLI, it's good to hear people are having more and more positive experiences with them... now if only that were the case for me........
Re-entered the garden on 12/30/15 Seriously, I need to stop leaving!
Starting Score: EQ: 706 TU: 707 EX: 674 (on 1/3/16)
Current Score: EQ: 713 TU: 701 EX: 679
Goal Score: EQ: 720 TU: 720 EX: 690


Valued Contributor
Posts: 1,157
Registered: ‎05-21-2008
0

Re: Capital One now officially rocks!



hunting_bears wrote:
I currently have a CapOne card with a 1000 limit and can't get a CL and I've had the card about five years now.  They tell me my card is unable to receive CL but I could apply for a new card with a higher CL with them.  I don't want the inquiry and I don't use the card (I really want the CL to round out with my other, higher CLs) but I'm glad everything worked out for you.


Customer initiated CLIs usually result in a hard inq anyway.  If you dont have any recent inquiries or if you're not planning on going for any major credit in the near future, you might as well.  Although I think I heard capone wont combine cards CLs.  In that case, it might be a waste.

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


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Established Contributor
Posts: 684
Registered: ‎05-02-2008
0

Re: Capital One now officially rocks!



thrasher865 wrote:


hunting_bears wrote:
I currently have a CapOne card with a 1000 limit and can't get a CL and I've had the card about five years now.  They tell me my card is unable to receive CL but I could apply for a new card with a higher CL with them.  I don't want the inquiry and I don't use the card (I really want the CL to round out with my other, higher CLs) but I'm glad everything worked out for you.


Customer initiated CLIs usually result in a hard inq anyway.  If you dont have any recent inquiries or if you're not planning on going for any major credit in the near future, you might as well.  Although I think I heard capone wont combine cards CLs.  In that case, it might be a waste.



I asked the Account Specialist that question.  She said no way!  I'm only checking your internal account for offers available to you.  This will not even come with a soft inquiry.
CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
0

Re: Capital One now officially rocks!

I have 5 straight months calling Capital one I even say that I want to make CapOne my # 1 card in my wallet and another time I tell them that I want to make CapOne my everyday purchases card and they never have an update for my card. I'm going to stop bother calling them and put the card in a drawer and use my credit union card.
Frequent Contributor
Posts: 388
Registered: ‎08-01-2007
0

Re: Capital One now officially rocks!

No has far as i know, capital one still can combine tow cards and keep the history from the oldest card. Hope this helps
-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks
Frequent Contributor
Posts: 297
Registered: ‎04-27-2008
0

Re: Capital One now officially rocks!

Wow! I agree " capital one ROCKS" I had a 500 CL on a card I've had since December 2007 I received an initial 300 CL. A few months later I received a 200 CLI through C1 credit steps. So after reading everyone's coments about C1 I decided to give it a try and this very nice lady told me she could approve me for a 500 CLI within 3 days I never would've thought I'd be able to get an increase so soon. WOO HOO! I would've had no idea if it wasn't for these forums.
New Contributor
Posts: 112
Registered: ‎10-05-2007
0

Re: Capital One now officially rocks!



thrasher865 wrote:


hunting_bears wrote:
I currently have a CapOne card with a 1000 limit and can't get a CL and I've had the card about five years now.  They tell me my card is unable to receive CL but I could apply for a new card with a higher CL with them.  I don't want the inquiry and I don't use the card (I really want the CL to round out with my other, higher CLs) but I'm glad everything worked out for you.


Customer initiated CLIs usually result in a hard inq anyway.  If you dont have any recent inquiries or if you're not planning on going for any major credit in the near future, you might as well.  Although I think I heard capone wont combine cards CLs.  In that case, it might be a waste.


When I asked for the CLI they didn't do a hard inquiry.  I believe they just looked at my history, which didn't work in my favor.  I don't use CapOne anymore except once or a twice a year to keep it active.  They even sent me a "nice" letter one time that they were going to close my card if I didn't use it.
New Contributor
Posts: 66
Registered: ‎01-29-2008
0

Re: Capital One now officially rocks!

Well, I like Cap One a little more now...but it's still tentative.

I looked up and called a back door number to check on my current application for another card.

At the end of May(?), beginning of June, I'd applied for another card with them. I wanted to close out a starter card and go with Cap--if they didn't attach an AF to the card I got.

Considering that I'm already a Cap One account holder, I thought a new app would be easy. NOT!!
Had to go through the same b.s. to verify who I was. Okay...then, they weren't getting the info in their system correctly. Yada, yahda and yaadaa.

So....fed up (since I was going to BT from the starter card, but it'll be PIF next payment anyway), I called today as a last ditch to get resolution on that app.

It's declined. Probably because they still can't verify I am who I say *scratching head*. I'm supposed to get a letter from them.

Anyway...back to that back door number...

They raised the CL on the existing account. Granted, it's NOT a whole lot at all, but it went to 4 digits, it helps with utilization, it's got a low IR if I balance carry and that increase was on top of that meager increase I got last month.

So...for today, I'll not speak poorly of Cap One.
"...what good do your words do if they can't understand you??...."

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