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Hi All
I just spoke with an online rep of Cap 1, asking how often accounts are reviewed for a CLI - I have had my account for 18 months and in the last 12 months alone, I have made 40 payments to the account (avg over 3 a month) I ensure that my balances are cleared every month
My Fico score is 724, since opening the Cap1 i have also got a WF Visa card and a Discover card, Discover gave me an un-asked for CLI after about 4 months - both of these have a higher limit than my Cap1 - which is sitting at a measly $750 lol.
I checked on credit karma score simulator what would happen if i closed my oldest account - it came back as just a 1 point drop - it must be this low i guess because all accounts are under 18 months old.
I make multiple monthly payments to all my accounts and have never missed a payment or had anything else bad.
Should i ditch the CrAP1 card and swap it for something better? The rep just told me that accounts are regularly reviewed blah blah and credit limits are extended when appropriate - I have no mortgage / rent etc and easily make enough to sustain a higher CL - I don't "need" credit to buy anything inparticular, but it would be nice to get say $4k on one - which would then be my "main" card
I appreciate the advice
Chris
@chrisw1968uk wrote:Hi All
I just spoke with an online rep of Cap 1, asking how often accounts are reviewed for a CLI - I have had my account for 18 months and in the last 12 months alone, I have made 40 payments to the account (avg over 3 a month) I ensure that my balances are cleared every month
My Fico score is 724, since opening the Cap1 i have also got a WF Visa card and a Discover card, Discover gave me an un-asked for CLI after about 4 months - both of these have a higher limit than my Cap1 - which is sitting at a measly $750 lol.
I checked on credit karma score simulator what would happen if i closed my oldest account - it came back as just a 1 point drop - it must be this low i guess because all accounts are under 18 months old.
I make multiple monthly payments to all my accounts and have never missed a payment or had anything else bad.
Should i ditch the CrAP1 card and swap it for something better? The rep just told me that accounts are regularly reviewed blah blah and credit limits are extended when appropriate - I have no mortgage / rent etc and easily make enough to sustain a higher CL - I don't "need" credit to buy anything inparticular, but it would be nice to get say $4k on one - which would then be my "main" card
I appreciate the advice
Chris
Welcome to the forum
EO for better results
Thanks, I am new to this forum - what is EO? lol
EO = Capital One Executive office
you can google the email, send them an email explaining your situation and they will call you to work a solution for you... regular csr's are useless
@chrisw1968uk wrote:Thanks, I am new to this forum - what is EO? lol
Check the yellow envelope top right hand corner
Good luck
Thanks! - I appreciate the advice and "translation" lol
YOu can facebook message capital one and your dispute will be forwarded to EO