Credit Cards

[lanc]

I did a PC through the online chat Friday (It took forever about 30 minutes).  I went from Cap One No Cash Rewards 1% cashback 2% gas/groceries to the Cash Rewards 1% plus 50% bonus.  It's a world mastercard with $5000 from 3/2009.  They changed it without affecting the opening date and no hard pull.  I then told them I know you guys never do credit line increases but can we try for 10k.  Of course it was denied with a letter stating "A credit limit increase on your account is not currently available upon request",  I think Cap1 really has a business strategy of approving people for CLI if they're more risky.  I've heard of people maxing out cards and getting a CLI where I've never carried over 25% and never got a CLI.  Also they approved me for this card in 09 at a 5000 limit with very limited credit history and a 145000 mortgage started in the November before.  Looking back now it was very risky for them to give me a card with 5000 with only about 2-3 months of a new mortgage history.

[SwiftTone]

Is Capital One finally doing PC??

[pabears]

i haven't called in yet this morning for the pc but for the call on whether i could pc or not, i used: 1-800-955-7070

[tcbofade]

Hmm.  Food for future thought in my case.

I've got two Cap One Platinum cards...both are still at zero percent...intro offers...maybe when that expires, I'll try to PC... 

[LS2982]

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tcbofade wrote:

Hmm.  Food for future thought in my case.

I've got two Cap One Platinum cards...both are still at zero percent...intro offers...maybe when that expires, I'll try to PC... 

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With you having 2 they may do it, how long have you had them and have you ever been late?

[tcbofade]

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LS2982 wrote:

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tcbofade wrote:

Hmm.  Food for future thought in my case.

I've got two Cap One Platinum cards...both are still at zero percent...intro offers...maybe when that expires, I'll try to PC... 

---

With you having 2 they may do it, how long have you had them and have you ever been late?

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I got one in June of 2011, and the other in September of 11.

...both have high utilization  (because of the zero percent), but NEVER late on either of them. 

[LS2982]

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tcbofade wrote:

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LS2982 wrote:

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tcbofade wrote:

Hmm.  Food for future thought in my case.

I've got two Cap One Platinum cards...both are still at zero percent...intro offers...maybe when that expires, I'll try to PC... 

---

With you having 2 they may do it, how long have you had them and have you ever been late?

---

I got one in June of 2011, and the other in September of 11.

...both have high utilization  (because of the zero percent), but NEVER late on either of them. 

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I would say garden those for a year and get the util. down and say a couple of prayers before hand while watching 30 Rock and the Jimmy Fallon show at the same time and call for the PC!!