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Closed my low CL Cap One card.

Established Member

Closed my low CL Cap One card.

Good riddance. It wasn't going to grow.


Starting Score: 590
Current Score: TU 712 EQ 704 (both from myFICO)
Goal Score: 850


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Message 1 of 17
16 REPLIES
Valued Contributor

Re: Closed my low CL Cap One card.

well congrats! 

on too bigger and better things.

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 2 of 17
Valued Contributor

Re: Closed my low CL Cap One card.


high_lander wrote:

Good riddance. It wasn't going to grow.


A lot of members including myself got CLI on our Cap One through the Executive Office, did you not want to try that route? 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 3 of 17
Established Contributor

Re: Closed my low CL Cap One card.

Yep. I would've tried the EO route. My low-limit Cap One I'd had for almost 6 years is now a Venture World Mastercard. It's like having a completely new card, without any hard pull.

Quicksilver 51k | Lowe's $35k | Prestige $33.5k | Discover It $32.5k | SPG Business $30k | Hyatt $28k | SPG $25k | Ink Plus $22.5k | Ink Preferred $22k | Aviator Red $20k | SWACU $15k | Amex Platinum | Amex Platinum Business | J Crew $18k | Spark $16k | AAdvantage Business $13k | Freedom $11.5k | SPG Business $10k | Amex Blue Business Plus $9k | Amazon Store $5k
Message 4 of 17
Regular Contributor

Re: Closed my low CL Cap One card.

I have Cap1 secured for about 1 year now and haven't received any cli nor any unsecured offers. I tried calling EO and it was a waste of time. Thinking about cancelling my cap1 as well.

Message 5 of 17
Valued Contributor

Re: Closed my low CL Cap One card.

Moving on to better things! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 17
New Contributor

Re: Closed my low CL Cap One card.

There has actually been a lot of success around here with e-mailing the executive office, myself included. I was able to get annual fees waived permanently on two of my cards, and that was all I requested. Unfortunately, their secured cards seem to be sticking to the need for an extra deposit for cli.

Cap One may still need work in several areas dealing with the customer, but they do seem to be working on revisiting their policies. Don't give up on them yet!
Message 7 of 17
Valued Member

Re: Closed my low CL Cap One card.

I had two Cap1 cards. Weirdly enough, when I did close my secured card ($201 limit) my FICO score jumped 30 points.....I really don't know why. But hey, whos complaining?

 

I got a CLI from the execs office on the second one.


Current Score: 660 EQ 651 TU 677 EX (via CreditInform)
Starting Score: 639 EQ 654 TU 638 EX (via CreditInform)
Goal Score: 700 Across the Board


Take the FICO Fitness Challenge

What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Message 8 of 17
New Contributor

Re: Closed my low CL Cap One card.

 Can someone please pm me the email address? Thanks

 

Go to cards: Amex BCE , CSP, Discover IT, Amex Gold NPSL
Message 9 of 17
Valued Contributor

Re: Closed my low CL Cap One card.

As mentioned a billllliiiooooon times, simplly hit the googlenator for 'capital one executive office email'.  Smiley Wink

Message 10 of 17