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Capital one update

Regular Contributor

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 Smiley Happy

 

 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 9k; 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 7K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
Message 11 of 26
Regular Contributor

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

Message 12 of 26
Valued Contributor

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.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 13 of 26
Valued Member

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
Message 14 of 26
Frequent Contributor

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.

Message 15 of 26
Moderator Emerita

Re: Capital one update

Message 16 of 26
Moderator Emerita

Re: Capital one update

Message 17 of 26
Highlighted
Contributor

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

Message 18 of 26
Established Contributor

Re: Capital one update

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

Total Overall Credit Limit- $325k
Message 19 of 26
Senior Contributor

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. 

Message 20 of 26