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Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

Re: Capital one executive sucks

You'll get more bee's with honey over your johnson any day of the week.

And Shogun laughed, he just can't say he did.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
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Established Contributor
sccredit
Posts: 774
Registered: ‎09-14-2012

Re: Capital one executive sucks

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.

Mortgage $296k/$310k
Autos Loans $29k
Unsecured Lines $167.2k

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DCU FICO 744

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Capital one executive sucks

Guess I'm late here. Just wanna say that I could +1 so many of you right now

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009

Re: Capital one executive sucks

All,

 

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

 

Joshy,

 

 

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.

 

 

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Senior Contributor
score_building
Posts: 3,513
Registered: ‎01-10-2008

Re: Capital one executive sucks

[ Edited ]

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.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Capital one executive sucks

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).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Capital one executive sucks

+1 to the points Duncanrr makes

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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Capital one executive sucks


beb86 wrote:

+1 to the points Duncanrr makes


when he's sober he's not too bad :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Capital one executive sucks


distantarray wrote:

beb86 wrote:

+1 to the points Duncanrr makes


when he's sober he's not too bad :smileytongue:


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.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Capital one executive sucks

You people need to stop giving this poster a hard time!
We all know Crapital One sucks with CLIs and makes you work for it. Even with all of my awesome credit, they refuse to grant a cli.

What are yall??! Crapital One CSRs? Pahahhaa

-.- Laaaammmeeeeee
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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