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Emailing Capital One for CLI Often?

New Contributor

Emailing Capital One for CLI Often?

So since coming to the site and learning how to get a cli from CRAPONE on a 7 year old card!!!!  i have emailed the Capital One CEO only once and that was about 3 months again and that increased my limit 750 to 1750. Yea right? But now  i am wondering if i'm going to have to do this every time that i want a CLI? How many times have you email the CEO and at what time frame 6 or 12 months? How much growth did you get? I have SD the card but like to keep it for AAOA for atleast another 5 year.


Starting Score: FICO EX 580ish (JAN 2008)
Current Score: Walmart TU695 USAA EX 682 CK 657 CS 687(June 2013)
Goal Score: 740+

Last APP 4/9/13 Current Wallet: Discover It 6,000 NFCU Cash Rewards 10,000 Chase Sapphire 5,000 Wal-Mart 3,000 BoA Travel Rewards 2,500 Paypal Extras MC 2,000Capital One Platinum 1,750 USAA secured 850
Message 1 of 8
7 REPLIES
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Regular Contributor

Re: Emailing Capital One for CLI Often?

I have read on the boards that some had tried again on the sixth month after their first cli from the EO.

Keep in mind, in order for another increase, your credit picture must changed for the better meaning low utilization, better fico score, etc.

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 2 of 8
Established Contributor

Re: Emailing Capital One for CLI Often?

I went from $1300 on my householdbank card to $2500. now, one month later, I have closed 2/3 of my tradelines (down to 9 from 27, two more to be closed next month). I have <5% util and I have heavily used the card with PIF.

 

Scores have also improved 30-60 points depending on the scoring model.

 

Think it's time to email for another CLI?


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 3 of 8
Member

Re: Emailing Capital One for CLI Often?

I emailed cap one CEO Jan 2013 I had 2 cards $750 and $500. January they bumped me to $1000 each (they asked how much I wanted and I said 1000) Well i am in the process of getting a home loan and decided to call to increase my limit to lower my util and they increased both cards to $1250.00. I called them last friday. SP only so no extra inq

 

 

 

USAA EX 640 TU 667 EQ 667
Message 4 of 8
Established Contributor

Re: Emailing Capital One for CLI Often?

Did you call regular customer service or your contact in the executive office?


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 5 of 8
Member

Re: Emailing Capital One for CLI Often?

I just emailed them, I lost my contacts number so I had to email them.

 

USAA EX 640 TU 667 EQ 667
Message 6 of 8
Established Contributor

Re: Emailing Capital One for CLI Often?

I was advised by one of the ladies in the EO to contact them whenever my CR improved considerable.

 

I asked for a timeframe of 4, 6 months, she said that did not matter.

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 7 of 8
Valued Contributor

Re: Emailing Capital One for CLI Often?

I bothered them after 3 months of my first contact with them for an APR reduction.  They said no to that.  I found that a bit funny as I paid them $0.26 in interest since I have had the card which is almost three years old.  I then contacted them at 5.5 months for a second CLI.  They bumped me the first time from $500 to $2000 and the second time to $3500.  I am certain they saw that I had a few more accounts and that the limits were steadily going up.  In another six or so months I will hit them up for a CLI so that I can get closer to that limit needed for a Venture card! 

 

Now if Barclays would start giving me more luvin I would be happy.  (Don't get me wrong, I still think Capone's policies are silly and wrong, we shouldn't we need to EO them to get what most banks do automatically.)

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 8 of 8