Reply
Frequent Contributor
laryn41
Posts: 484
Registered: ‎07-31-2007
0

Re: Capital One now officially rocks!

I combined all my capone cards to make one LOC.  They did it for me twice. Look into it.
New Member
lesleym
Posts: 2
Registered: ‎06-25-2008
0

Re: Capital One now officially rocks!

I've never thought about disputing a late charge - I've been a Cap One customer for about 3.5 years (it was my "starter" card at age 25) and I have ONE late payment > 30 days. It's the only late payment on my entire CR, over 9 accounts!

I just emailed them today to request a new APR, it's currently 25.15% (versus my Amex and a 9.1% Citibank Mastercard). CL is $2,000 and there's a $0 balance on the card.

I feel pretty confident about getting a reduced APR, but how do I swing getting this late charge pulled?! I'd love to see my lonely red flag go away!!


6/26/08 - TU 735 EQ 760 EX 734
New Project - Getting BF's score up from 546 (if he follows the budget plan I made for him!)
Regular Contributor
calichik555
Posts: 177
Registered: ‎04-28-2008
0

Re: Capital One now officially rocks!

i just disputed mine online with equifax.  there were 2 30day and 1 60day.  they're are my oldest account at over 5 years and the lates were more than 3 years ago.
03/2009 - TU: 679 EQ: 670 EX: 670
7/2 - TU: 666 EX: 668 EQ: 673

"If at first you don't succeed...skydiving isn't for you."
New Member
lesleym
Posts: 2
Registered: ‎06-25-2008
0

Re: Capital One now officially rocks!

this totally worked!
Member
marabal
Posts: 9
Registered: ‎07-28-2008
0

Re: Capital One now officially rocks!

I just took the plunge and did this today, calling that number, and I received a $500 CLI! Thanks so much! I'm new on these forums and I have been learning so much from all here :smileyhappy:
~~on my way ~~
10/05/08 TU - 644 EQ - 631 EX - 661 8/30/08 TU - 579 EQ - 632 EX - 619 8/20/08 TU - 577 EQ - 623 EX - 576
8/6/08 TU - 523 EQ - 613 EX - 559
Established Member
Lance66
Posts: 51
Registered: ‎07-01-2008
0

Re: Capital One now officially rocks!

Congrats on your success with Cap 1.  I have done okay with them too.  I got my first
card in April of this year with a $2K limit.  I waited three months and called the back door
number for an increase and they gave me $750, then about one month after that, I was
checking my account on line and noticed they had upped it another $500.. giving me a
total CL of $3250.  For somebody like me who is rebuilding damaged credit, I feel that
is a pretty good deal.  I recently apped for another account with them and got approved,
but that one only has a $500 limit.  I will call in a few months and see if I can get a CLI
on that.
 
 
Frequent Contributor
Solarjuju
Posts: 335
Registered: ‎04-04-2008
0

Re: Capital One now officially rocks!

That's great stuff! Congrats on your CLI!
Contributor
SWISSOATL
Posts: 139
Registered: ‎11-14-2007
0

Re: Capital One now officially rocks!



Ally_j135 wrote:
 SO I got the nerve and called this backdoor # ( couldnt stop thinking about it)from the backdoor list just now 877-513-9959 and explained to the rep Joyce (who didnt read off a script) the situation and she told me and I quote "dont ever listen to those customer service people if you want a credit increase or a decrease with your interest rate call this number it is directly linked to the marketing dept in richmond Virginia".  I was a bit shocked she then reviewed my acct and then asked me what I used the acct for I told her I wanted to start using it as my everyday card ( anything to suck up) that made her happy and behold she gave me a $1000 credit increase.  Then i said let me push it and asked her to review my other card in which she gave me another 1000 increase.  She was so sweet and nice and started talking to me about Ipods...it was amazing she told me to call back in three months to get another increase or to see if I could decrease my interest (which is pretty ok right now) if I wanted.  I'm still shocked.......We hung up and I immediatly came to tell all of you.  God their is hope there are actually nice people in this world!!!!


PUNCH ALLY!!!!! CONGRATS
 
I say combine them now and lower the interest in 3 months! and another CLI!!!!!
EQ N/A
EXP- 692
TU- 673 3/10/08br>
Valued Member
afijunkie
Posts: 34
Registered: ‎01-13-2008
0

Re: Capital One now officially rocks!

I wonder if I should try for a CLI. I got my got card back in Jan 08, with a $500CL then increased to $750 in April(credit steps). Should i try it or is it too soon?
3/23/09: TU- 669, EQ- 671, EX - 656
Contributor
rjkl
Posts: 95
Registered: ‎11-25-2007
0

Re: Capital One now officially rocks!

Yes the backdoor numbers are great.  If I would have known about them back when I had capital one credit cards, I might not have eventually cancelled them.  I was stuck on $500 for two years!!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}