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Regular Contributor
Posts: 236
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 Score: Current FICO Scores: All above 725 (04/01/2015)
Sallie Mae World MC 5k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 5K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
Regular Contributor
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

Valued Contributor
Posts: 1,086
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.


|****$10500***|****$8000*****|****$6000*****|****$3200****|****$1600****|****$3000*****|*****$3000*****|****$2500*****|
EX - 684 (MyFICO 3/05/15) TU - 676 (MyFICO 3/05/15 ) EQ 04 - 712 (DCU -3/27/15) EQ 08 - 686 (MyFICO -3/05/15)
Valued Member
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
Posts: 365
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
Posts: 27,206
Registered: ‎09-13-2012
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Re: Capital one update

Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: Capital one update

Contributor
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
Posts: 424
Registered: ‎08-31-2007
0

Re: Capital one update

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

Valued Contributor
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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