11-16-2012 03:26 PM
I hate to say it but your history with Capital One isn't even that long.
And for everyone's info, they don't always do your minimum on the limits, I told them my minimum was $4k but I would like to see about twice that and they went to $10k. I think it is still very much based on your profile.
11-16-2012 04:20 PM
Guess I'm late here. Just wanna say that I could +1 so many of you right now
|Chase Freedom $9500|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
|Lowe's CC $8500|
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
11-16-2012 07:51 PM
Yes I left the word not out of the item 1. Should say I have not been 60 days late in the last last year. Sorry for the omission
On item 2 Have ever been late on any account at all? Your score listed in item 4 is good. There is on creditcards.com a graph showing what they consider to excellent and it starts at 749.. On item 3 you have a credit card or a car loan that either is paid or being paid for at three years. My comment about the all the new credit was in reference to all the new accounts in your siggy that have open in the last year. CLI inquires will also lower your score. From a lenders perspective an inquiry means the pursuit on new credit. There is no difference between CLI or a new acocunt in this regard. The lender works from the perspective a consumer applies for the credit they need not want or would like. All those inquires plus now you are asking for more credit raises the question WHY? I would be very surpised if your request is granted.
11-16-2012 08:37 PM - edited 11-16-2012 08:38 PM
Based on the tone of the e-mail and credit profile information shared here would be happy to let card holder move on if I were tasked with responding to this loan request. Nontheless, would imagine there's probably a better than 50/50 chance will at least be granted the minimum increase requested.
11-16-2012 08:43 PM
Not to jump on the negative bandwagon, but I too wouldn't view this request too kindly. One the tone is off, two your credit profile doesn't scream out to me that you have been denied something you are due; and lastly, your grammar isn't acceptable. (I know this is a web forum and I hope you were planning on scrubbing up the grammar/spelling etc but I just wanted to make it clear that if you are going to put best foot forward to get CLI/PC you need to make sure all the little details are addressed).
11-16-2012 09:42 PM
+1 to the points Duncanrr makes
when he's sober he's not too bad
Im feeling the luv. Even when I'm drunk I give good advice (I may not follow it but I can give it out). The only difference is that I give advice less tactfully when Im not sober.
11-17-2012 07:47 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.