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Regular Contributor
tld409
Posts: 220
Registered: ‎03-21-2012
0

Re: Capital one update

I won't be changing over from my CapOne Platinum MC to a Quick Silver.   I get  2% on gas and groceries and 1% on everything else (cash back) plus no annual fee.  This was my first card when I started rebuilding last year. I started at 200 and cli increased automatically to 500 in 6 months (steps program).  Then 1 month after completing a year of perfect payment hx with capone,  I was able to get a cli to 5k by contacting the EO. That would have never happened if it weren't for the great folks on this board :smileyhappy:

 

 Does anyone else have the same perks with their CapOne Platinum MC?

 

Starting Score 630 Current:EX:706(09/01/14); EQ08: 747(10/10/14);TU:748 (10/13/14):Goal Score: 750 across the board
Sallie Mae World MC 5k; Chase Freedom 3.5k; CareCredit 13.2k; Amex BCP 10.3K; Amex BCE 12K; Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 5K; Slate Visa 3k; Citi Simp Visa 6.9k; CFCU Visa 15k; Discover IT 4K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k;
Regular Contributor
aj1901
Posts: 117
Registered: ‎07-25-2013
0

Re: Capital one update

could someone pm me with the EO contact info? I tried calling today and they said I wasnt eligble for anything

Established Contributor
masscredit
Posts: 751
Registered: ‎07-17-2012
0

Re: Capital one update

My Cap 1 has a 19.9% rate. For those of you that have requested and received a lower APR, what has it gone down to?  My Orchard account (now Cap 1) is $14.9%. Scores are going up so I'm hoping my rates will start going down.


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 655 (Walmart 10/10/14 ) EQ 04 - 699 (DCU -09/26/14) EQ 08 - 669 (MyFico -10/10/14)
Valued Member
Lilsnukems
Posts: 27
Registered: ‎07-26-2013
0

Re: Capital one update

My APR was initially 19.8%. I requested a lower one over the phone and the CSR offered me 15.9% for 7 months, then back up to 19.8%. Sent an email to the EO requesting a lower APR (among other things). Recieved a call back from them on Tuesday and am waiting for the final result of my request. Should be any day now...


TU FICO: 744 (updated 1/2014) , VantageScore: 760 (updated 7/19/13)
51.5K Total limit with 12.36% utilization, Income 44K
BOA Better Balance Rewards: 10K, CapOne: 5K, BOA Cash Rewards: 10K, Discover It: 8.2K, 1FBUSA: 8.3K, AMEX BCP: 10K
Goals: 800+ FICO score, minimum 10K credit limit on all cards
Frequent Contributor
anca21bi
Posts: 327
Registered: ‎07-27-2008
0

Re: Capital one update

Could someone pm me too please? I've had the same $320 credit limit with orchard Bank (now Cap One) since 2009. But my credit has been rough. Just looking for a little bump for DTI. I've tried back door numbers but couldn't get thru.

Moderator
09Lexie
Posts: 25,896
Registered: ‎09-13-2012
0

Re: Capital one update

Moderator
09Lexie
Posts: 25,896
Registered: ‎09-13-2012
0

Re: Capital one update

Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
0

Re: Capital one update

My GF just Pc her Plat to the Quicksilver Visa, but her Cl is only 2400,I thought all Signature cards required at least 5000. And hers came  with no annual fee,

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Frequent Contributor
Mellon
Posts: 341
Registered: ‎08-31-2007
0

Re: Capital one update

when you guys are going thru EO are they doing HP's for your requests?

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Community Leader
Valued Contributor
azguy13
Posts: 5,381
Registered: ‎04-30-2013
0

Re: Capital one update


Mellon wrote:

when you guys are going thru EO are they doing HP's for your requests?


Nope, they made sure to tell me it would be a soft inquiry so no need to worry. 




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I

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