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Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Has Capital 1 EO ever said NO?

So we all had called or sent an email with a story
And get a nice lady/ man listening and telling us they will review ur concerns and will give u a call back after asking u some questions


My question now is has they ever come back saying NO?

No because ur CR is bad or baddies or something?

Or because you fit for a PC or CLI they are calling you otherwise they will not


Sorry for the gramma im on my phone :smileyhappy:
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.
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Has Capital 1 EO ever said NO?

[ Edited ]

Yes, I got a straight up "no".

 

>>>>> Short history

 

Called back a few months later and all requests were approved. I asked for an increase to $5k from $1,500 and a PC to green cash visa sig, otherwise I would close the account. 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
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Re: Has Capital 1 EO ever said NO?

Yes I only received 100 increase on each due to mainly I didn't wait until my reports had updated big mistake oh well I'll try again in 6 months.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
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Re: Has Capital 1 EO ever said NO?

YOUR GRANDMA IS ON THE PHONE?

 

Just kidding. I don't remember hearing of a hard "no" from the EO, but maybe I just haven't read enough. I recently got a temporary reduction of my APR, but I asked to hold off on a CLI until my balances had updated. So, I'm talking to them again tomorrow to ask for an account review. Anyway, I don't remember any "no"s in the stories I've read, but I do recall modest progress.

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Has Capital 1 EO ever said NO?

I got countered... I asked for 7500, got 5000.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: Has Capital 1 EO ever said NO?

Dustink im curious of your history did yoi have a baddies history with them? Or low score?

I have 2 30 days and a 60 days late w that card back in late 2011. And im waiting for their underwriting review... Then this question came up.

My wife got a 250 Cli but her acc is like 1.5 yo.

There has to be some kind of filter. Do they call any one that sends a whinney email... We will see...
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.
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Has Capital 1 EO ever said NO?

[ Edited ]

No baddies

 

Short history, high INQs, many new accounts.

 

My score probably went down from the time they declined to the time they approved. They just wanted to see more history. Or I just got the wrong rep the first time.

 

I think the account may have been less than a year old during the first request, but it may have just hit the 1 year mark when they approved the CLI.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: Has Capital 1 EO ever said NO?

I see, well will see i also have lots of inq like 15 in 2 years and like 10 in the last 6 months but 6 years history with capone.
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.
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Has Capital 1 EO ever said NO?

[ Edited ]

The high INQs could be a minor problem, but I think they will be okay since you have the long history.

 

OT: my scores have just been plummeting since I found this forum. It makes it hard to stop apping. You having the same problem...10 INQs in 6 months!

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Has Capital 1 EO ever said NO?

[ Edited ]

What is SFCU?

 

Too many possibilities..haha

 

Stanford FCU

Spokane FCU

Sidney FCU

Sno falls CU

Southern FCU

Sunlight FCU

 

ECT...

 

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
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