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Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

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


LS2982 wrote:

maiden_girl wrote:

LS2982 wrote:

doc101 wrote:

I talked with them today about my account and why I was turned down for a limit increase. The rep gave me the same ole song and dance routine. " We monitor each account accordingly and when Captiol One has offfers availble, we will let you know." I told the rep I was making my last payment and that I would be closing my account.


How long have you had the account open??

 


If your account hasn't been open for a least a year...I don't think they consider the request. If your credit score isn't in the high 600s to mid 700s...I don't think they'd even consider a CLI. They do pull at least one upon request.

 


If the poster got that reply, I dont think they pulled a report. They should go over denial reasons if they pulled a report.

 


Any creditor who's pulled my report has never gone over denial reasons. They just say "You'll receive a letter stating the reason..." lol...I haven't been denied recently...unless they've changed this...

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

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


LS2982 wrote:

tylaw13 wrote:

I almost wish i didnt say anything about my experience with Cap 1 exec office and how they got me the CLI because ever since then ive seen like 20 threads about the exec office and this is the exact reason i told people who asked for the # to wait until i was done dealing with them. i know this will probably not be an option for much longer.


Eventually it'll get shut down but I really hope the people who been Cap1 customers for years and years get something out of them. Think of it as you helped ALOT of deserving people. Theres going to be people who really have no business calling them but it is what it is.

 

It would have been much better if the number was PM'ed out to people but that wasn't going to last forever.

 


In all Honesty man.. i doubt they will do anything.... i bet that office gets tonnns of calls! if you found the number, think of how many others have found that number... and then shared it as well... If it wasnt a number they wanted to get out, they would never release it to any customer.. But they did.. You didnt do anything wrong.. lets just say 100 people from here called that number.. i bet there were hundreds more calling that number from other sources... Breath easy, you didnt leak anything crucial.. you did the right thing!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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


Tommy5746 wrote:

LS2982 wrote:

tylaw13 wrote:

I almost wish i didnt say anything about my experience with Cap 1 exec office and how they got me the CLI because ever since then ive seen like 20 threads about the exec office and this is the exact reason i told people who asked for the # to wait until i was done dealing with them. i know this will probably not be an option for much longer.


Eventually it'll get shut down but I really hope the people who been Cap1 customers for years and years get something out of them. Think of it as you helped ALOT of deserving people. Theres going to be people who really have no business calling them but it is what it is.

 

It would have been much better if the number was PM'ed out to people but that wasn't going to last forever.

 


In all Honesty man.. i doubt they will do anything.... i bet that office gets tonnns of calls! if you found the number, think of how many others have found that number... and then shared it as well... If it wasnt a number they wanted to get out, they would never release it to any customer.. But they did.. You didnt do anything wrong.. lets just say 100 people from here called that number.. i bet there were hundreds more calling that number from other sources... Breath easy, you didnt leak anything crucial.. you did the right thing!


I dont know of many offices that get tons of calls but makes sure to ask you multiple times "where did you get this number???" :smileyindifferent:

 




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
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

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


LS2982 wrote:

Tommy5746 wrote:

LS2982 wrote:

tylaw13 wrote:

I almost wish i didnt say anything about my experience with Cap 1 exec office and how they got me the CLI because ever since then ive seen like 20 threads about the exec office and this is the exact reason i told people who asked for the # to wait until i was done dealing with them. i know this will probably not be an option for much longer.


Eventually it'll get shut down but I really hope the people who been Cap1 customers for years and years get something out of them. Think of it as you helped ALOT of deserving people. Theres going to be people who really have no business calling them but it is what it is.

 

It would have been much better if the number was PM'ed out to people but that wasn't going to last forever.

 


In all Honesty man.. i doubt they will do anything.... i bet that office gets tonnns of calls! if you found the number, think of how many others have found that number... and then shared it as well... If it wasnt a number they wanted to get out, they would never release it to any customer.. But they did.. You didnt do anything wrong.. lets just say 100 people from here called that number.. i bet there were hundreds more calling that number from other sources... Breath easy, you didnt leak anything crucial.. you did the right thing!


I dont know of many offices that get tons of calls but makes sure to ask you multiple times "where did you get this number???" :smileyindifferent:

 


I'm waiting for someone to say they got it from the White Pages...OMG ahahaha

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

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


maiden_girl wrote:

LS2982 wrote:

Tommy5746 wrote:

LS2982 wrote:

tylaw13 wrote:

I almost wish i didnt say anything about my experience with Cap 1 exec office and how they got me the CLI because ever since then ive seen like 20 threads about the exec office and this is the exact reason i told people who asked for the # to wait until i was done dealing with them. i know this will probably not be an option for much longer.


Eventually it'll get shut down but I really hope the people who been Cap1 customers for years and years get something out of them. Think of it as you helped ALOT of deserving people. Theres going to be people who really have no business calling them but it is what it is.

 

It would have been much better if the number was PM'ed out to people but that wasn't going to last forever.

 


In all Honesty man.. i doubt they will do anything.... i bet that office gets tonnns of calls! if you found the number, think of how many others have found that number... and then shared it as well... If it wasnt a number they wanted to get out, they would never release it to any customer.. But they did.. You didnt do anything wrong.. lets just say 100 people from here called that number.. i bet there were hundreds more calling that number from other sources... Breath easy, you didnt leak anything crucial.. you did the right thing!


I dont know of many offices that get tons of calls but makes sure to ask you multiple times "where did you get this number???" :smileyindifferent:

 


I'm waiting for someone to say they got it from the White Pages...OMG ahahaha

 


I told the guy that i got it from a Customer Service Rep.. he said "Really!?" and i said yes... i said the rep could tell that i was frustrated that my CL wouldnt increase so he gave me this number and told me my best luck was to call and see what they could do for me.. He said "Oh" lol... So, hopefully he bought my story but who knows... The good news is we... well i shouldnt say WE i should say tylaw13 (thank you btw) found a way to finally help those of us who rightfully deserve credit lines that are above 300 bucks!!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

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

I told the lady rep Capital One gave it to me...she didn't buy it. LOL. She immediately asked me if I found it online...I was like...umm nooo... HAHA!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
doc101
Posts: 177
Registered: ‎11-27-2011

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

I have had the account for over 2yrs now.....pay in full each month and on time. Although it is a secured card, I have read out here that Cap 1 will sometimes give a credit limit increase.


Starting Score:Equifax 543
Current Score:EQ658 TU 655 EXP627 updated 5/30/2014
Goal Score: 650


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Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

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

am hoping this is the start of capital one giving out increases on a regular basis (every 6 months or so) of having good payment history with them and improved credit.


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

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


kobe2012 wrote:

am hoping this is the start of capital one giving out increases on a regular basis (every 6 months or so) of having good payment history with them and improved credit.


That is what I am hoping for. I am sitting back and just waiting to see if all of this makes a difference in the end since I am sure if they didn't understand how frustruated people were..they do now.  I would be too scared to call that number..lol!!!


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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


calihlove75 wrote:

kobe2012 wrote:

am hoping this is the start of capital one giving out increases on a regular basis (every 6 months or so) of having good payment history with them and improved credit.


That is what I am hoping for. I am sitting back and just waiting to see if all of this makes a difference in the end since I am sure if they didn't understand how frustruated people were..they do now.  I would be too scared to call that number..lol!!!


 

Why would you be scared?? They put their pants on the same way I and everyone else does in the morning. They are nobody special. Either they help or they dont. :smileyhappy:




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

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