Capital one pc or upgrade? When pigs fly? or try?

[percy81]

Hello everyone, I've had my Crapital one since dec '10 (  just hit it's 3 year anniversary last month) It's the platinum rebuilder card, which means I started with 300-then 500-750 and i'be been capped at 1,000 for a almost 2 years. I've never been late on ANY payments ever do you think I have a chance on getting a pc or an upgrade?

I haven't used this card in about a year because of the lack of incentive, I mean I have very nice cards already, but for principle I'd like to get a reward for good behavior 

Just incase you need more info, currently i have 7% on all cards combined and $0 balance on capital one and havent swiped that card in a year.

[CreditJim]

You should be able to get a CLI via the executive office without a problem, if the normal route denies you. My circumstances were similar to yours and I got a CLI from 750>5000 and a product change to the Venture via the 'chat now' feature on their website about a week after the CLI.

[percy81]

You know capital one irks me!!

Here's the online chat convo I had....my personal info and agents name has been taken out.

Welcome to our Capital One chat service! One of our Account Specialists will be right with you. This chat will be monitored and recorded.

Hi, this is peggy . Whom do I have the pleasure of chatting with today?

you: Hello peggy -my name is hoping for a miracle

peggy : Hellohoping for a miracle .  I hope you are well. How can I help you today?

you: I would like to inquire about an upgrade-pc on my account

peggy : Let me quickly access your account and check that for you.

peggy : In order to access your account, please provide your name (exactly as it appears on your credit card), zip code, date of birth and last four digits of your Social Security number.

you: hoping for a miracle xxxxx. xx/xx/xx #xxxx

peggy : To ensure I have the correct account can you please provide me with the last four digits of your Capital One account number?

you: xxxx

peggy : Thank you.  Please bear with me a moment while I review your account information.

you: ok

peggy : Thank you.

peggy : Thank you for your patience!

you: you're welcome

peggy : I am sorry to say that after reviewing your account I can see that currently there is no offer to upgrade your card.

you: Then I have no incentive on using this card, I currently have the top 2 rewards cards...leaving no use for this low limit platinum card

you: There's no way of adding some type of rewards of any kind?

peggy : Let me check that for you.

you: Thanks.

peggy : Unfortunately this account not associated with rewards however you are eligible for upgrade your card we will inform you.

you: I'm confused about theat last part, am I eligible and you will inform me?

peggy : I apologized for the confusion, you are not eligible at this time and in the future we will inform you 

peggy : Is there anything else I can help you with today?

you : no, thanks <--- I wish I said, " how can you help me again when you haven't help me at all? 

[bs6054]

That's what the executive office are for, they will be able (if they want of course!) to increase your CLI and/or PC.

The alternative is to apply for theCap One card you want to PC to, that might be easier, but you get the HP of course.

[percy81]

I've tried the executive offices a while back about cli-- no dice. I just may call later tonight about the pc or upgrade. The executives sound just as repetitive as the first level agents.

[bs6054]

Of course we never know what goes in to their decision making, but not using the card for a year probably doesn't make them over-keen to retain you!  Is there an AF?  A lot of people have had success getting that removed by the EO.

If the answer is still negative, I would suggest you just move on.  Keep the card for its CL, just don't use, and pursue CLIs on the cards you like (and/or apply for new cards).

[jsucool76]

It might take some work, but you can def get a PC. I did mine through "chat now", and then this month they offered me another one. If they wont give you anything email the EO. Get a cli and some rewards added. Shouldn't be too much of an issue. Sometimes you have to talk to more than one csr before you get the answer you want.

[percy81]

The only fee i'm paying is the $3.00 monthly member fee equaling to a $36 a year fee. So, i'm going to sleep on this one because i'm throwing away $36.00 a year away AND on top of that they post the $3.00 on the EXACT day the statement cuts -- forcing a balance to always show!!!! That's what irks me the most!!!

I added my brother as an au to help him build credit, if I close the account will he also have the card reporting for the next 10 years like it would still do for me after closing?

[MovingForward_2012]

I would just apply for a Cash Rewards card. I remember when I asked a Capital One CSR for a CLI on my Orchard card and she said there is nothing she can do at this time. But then she said I am welcome to apply for another card. And I applied for the Cash Rewards card and was approved in July. I have earned $97 bucks so far. But I was just approved for a Chase Freedom this month and I expect to earn that much in a shorter amount of time as they have 5% cash back on bonus categories. So for gas, I will get 5% cash back if I use my Freedom versus 1% if I use my Cash Rewards card.

The Capital One executive office is your only path forward if you want further increases or a PC.

[p-]

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@percy81 wrote:

Hello everyone, I've had my Crapital one since dec '10 (  just hit it's 3 year anniversary last month) It's the platinum rebuilder card, which means I started with 300-then 500-750 and i'be been capped at 1,000 for a almost 2 years. I've never been late on ANY payments ever do you think I have a chance on getting a pc or an upgrade?

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Definitely!  But it would help if you were using it.  

Try customer service for a PC and CLI first, and if that doesn't work, go with the Executive Office.  That will be all soft inquiries, and retain the account history, versus a new hard app for a new card.  

If you click the green card in my siggy it takes you to an EO walkthrough for capital one.  You can easily drop the fee, and convert the card to a higher limit prime card without any hard app.