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Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Got my hopes up...of course Cap1 let me down

I called the 18009551455 num... I hope they get flooded with calls! -_- grrrr lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Got my hopes up...of course Cap1 let me down

Around 700
Over 6 years
HH Income $100k+

Stats are in order.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012

Re: Got my hopes up...of course Cap1 let me down


youngandcreditwrthy wrote:
Around 700
Over 6 years
HH Income $100k+

Stats are in order.

WOW

 

i can't believe you didn't get an increase, like i said mine both went from 500 and 750 to 2k, unless your income is significantly lower than your HH income (as it shouldn't be considered for credit cards) then you should have been given an increase...  call again and ask for it to be submitted for manual review

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Got my hopes up...of course Cap1 let me down

I did ask for a manual review... She said they don't do them... At this point, I'm just pissed even though I shouldn't care... They were just really rude! My personal income is like $40-60k ( varies bc of commission). Most creditors allow you to choose if you want them to consider HHI ime. Lol
I just got a Chase Freedom w a $5k limit AND the two fraud accounts on my CRs were removed from allllll threeeee reports in the past month. Not to sound racist, but both chicks I spoke with sounded like fiesty black chicks which usually like me (I'm a skinny white boy) lol :-/ meh...
It's like they have an 'i dont like you' button, which means you get a letter in the mail lmao.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Got my hopes up...of course Cap1 let me down

Sounds like the the great CLI run has run its course.

Hmmm...

Could it be every harry tom and Jane calling that number??

Nah!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Got my hopes up...of course Cap1 let me down

Pahahah. Probably ... I missed out. Oh well Barclay's & GE and even Chase LOVE my stellar payment history and giving me rewards. :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
aussiesareforever
Posts: 737
Registered: ‎10-04-2010

Re: Got my hopes up...of course Cap1 let me down

 


espnjunkie wrote:

+1 I used to be kinda annoyed by Capital One's lack of CLI's...and then I reached the same conclusion as you haha. It's just so much easier to not fight it and just stop caring.


Hey ESPNJunkie

 

I love how you have a $12,000 limit with Amex and $750 with Capital One. That is just hilarious :smileyhappy:

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Regular Contributor
doc101
Posts: 177
Registered: ‎11-27-2011

Re: Got my hopes up...of course Cap1 let me down

I have a secured card with Cap 1. Is it possible to get a credit increase without making a deposit? I have tried 3x's to get a credit increase and each time I got the "you will be contacted in 7-10 business days."


Starting Score:Equifax 543
Current Score:EQ655 TU 625 EXP665 updated 12/14/2013
Goal Score: 650


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New Contributor
OwNt
Posts: 61
Registered: ‎10-07-2007

Re: Got my hopes up...of course Cap1 let me down

Aussie,

 

I'll do you one better.

 

$1,000 with PenFed and $25,000 with AmEx BCP.

~~Credit Cards~~
Alliant Platinum Rewards Visa, AmEx BCP, BofA Power Rewards, Bank of the West Platinum, Barclay Rewards World MC, Chase Freedom/Chase Sapphire, Citi Thank You/Citi Dividend Select, Discover More, FNBOmaha, Paypal MC, PenFed Cash Rewards, US Bank Cash+/US Bank Flexible Rewards.

Total: $300,000+ in lines.
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Got my hopes up...of course Cap1 let me down

Doc1... As soon as youre in a position to do so, just ignore cap one, I think this thread proves they don't give a **bleep** about their most loyal customers. Don't expect anything from them.

I seriously still just want to report them to the CFPB for not giving valid reasons for credit denial...

Idk if yall know this, but you can get a free credit report when a creditor denies a cli (or any aa) I've gotten free ones from all of the CB every month just about.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k

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