Reply
Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

I took a HP for that???? SMH Cap One EO.

[ Edited ]

So I got the official call back from the EO today. I didn't get the line since I was driving but some lady left a message.

 

All I got was a whopping $100 CLI, bringing my CL on my Household Bank card to $500. *eye roll*

 

Must be some kind of weird joke, I guess. They pulled EQ which is my cleanest report by far. I'm thinking they might've been spooked by the 2012 CA on a 2006 debt from Midland. The other two negs were from 2006 and were due to drop off later this year. Now I kinda feel like I should've waited, but the second one wouldn't have dropped off until December of this year.

 

The girl said they were gonna see if I could get my AF removed. They're supposed to get back to me next week about that. I'm not sure if I should press for more since I took the pull or just hang tight until my other two negatives fall off.

 

Not sure how to proceed now...

 

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: I took a HP for that???? SMH Cap One EO.


injustifiiable wrote:

So I got the official call back from the EO today. I didn't get the line since I was driving but some lady left a message.

 

All I got was a whopping $100 CLI, bringing my CL on my Household Bank card to $500. *eye roll*

 

Must be some kind of weird joke, I guess. They pulled EQ which is my cleanest report by far. I'm thinking they might've been spooked by the 2012 CA on a 2006 debt from Midland. The other two negs were from 2006 and were due to drop off later this year. Now I kinda feel like I should've waited, but the second one wouldn't have dropped off until December of this year.

 

The girl said they were gonna see if I could get my AF removed. They're supposed to get back to me next week about that. I'm not sure if I should press for more since I took the pull or just hang tight until my other two negatives fall off.

 

Not sure how to proceed now...

 


Sorry to hear :smileysad:

 

Did you call in or email?




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
Frequent Contributor
tattooedhusker
Posts: 415
Registered: ‎10-25-2012

Re: I took a HP for that???? SMH Cap One EO.


injustifiiable wrote:

So I got the official call back from the EO today. I didn't get the line since I was driving but some lady left a message.

 

All I got was a whopping $100 CLI, bringing my CL on my Household Bank card to $500. *eye roll*

 

Must be some kind of weird joke, I guess. They pulled EQ which is my cleanest report by far. I'm thinking they might've been spooked by the 2012 CA on a 2006 debt from Midland. The other two negs were from 2006 and were due to drop off later this year. Now I kinda feel like I should've waited, but the second one wouldn't have dropped off until December of this year.

 

The girl said they were gonna see if I could get my AF removed. They're supposed to get back to me next week about that. I'm not sure if I should press for more since I took the pull or just hang tight until my other two negatives fall off.

 

Not sure how to proceed now...

 


They did the same thing to me...sacrificed a HP for a measily $100 CLI. I'm hoping to have better results when the transition is complete. I was super pissed off too!

NFCU CashRewards $10k | AMEX BCE $9.5k | Lowes $16k | Sportsmanss guide $5k | Chase Freedom $1k | Discover IT $1k |
Walmart $4k | Gordman's $1350 |

Community Leader
Valued Contributor
myjourney
Posts: 23,569
Registered: ‎02-07-2013

Re: I took a HP for that???? SMH Cap One EO.

[ Edited ]

injustifiiable wrote:

So I got the official call back from the EO today. I didn't get the line since I was driving but some lady left a message.

 

All I got was a whopping $100 CLI, bringing my CL on my Household Bank card to $500. *eye roll*

 

Must be some kind of weird joke, I guess. They pulled EQ which is my cleanest report by far. I'm thinking they might've been spooked by the 2012 CA on a 2006 debt from Midland. The other two negs were from 2006 and were due to drop off later this year. Now I kinda feel like I should've waited, but the second one wouldn't have dropped off until December of this year.

 

The girl said they were gonna see if I could get my AF removed. They're supposed to get back to me next week about that. I'm not sure if I should press for more since I took the pull or just hang tight until my other two negatives fall off.

 

Not sure how to proceed now...

 


Wish you had gotten more..Mention your displeasure when you hear from them again

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Contributor
lg8302ch
Posts: 2,017
Registered: ‎11-13-2012

Re: I took a HP for that???? SMH Cap One EO.

hp for a cli of 100$...this is indeed joke...what the hell did they think. assume you would have kept the 400 if you had known before :smileysad:
FICO® EQ 764 (as of today) - TU 778 (04/01) * Fako EX 816 (04/03 - CS) last app 11/09/13 * INQ last 2 yrs TU: 5, EX: 6, EQ: 6
New Contributor
Richierichdollar
Posts: 116
Registered: ‎03-10-2013

Re: I took a HP for that???? SMH Cap One EO.

Did you ask for a certain cli if not that might be why you only got $100

Regular Contributor
IECredit
Posts: 207
Registered: ‎07-15-2012

Re: I took a HP for that???? SMH Cap One EO.

I took a Hardpull on my EQ, no bads at all my cleaniest report with 27% UTI and got this lol

 

Best Buy($200 increase) $800 to $1000

Orchard($500 increase) $500-$1000

 

I expected more but oh well!! i could of got a higher limit with a new account but these accounts are both 5 years old

Current Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: DCU Plat. $10K | Chase Freedom $1K | Discover $3K | WalMart $3.5K | Paypal MC $4K | Cap 1 QuickSliver $4K | Kays $0.8K | Barclay NFL $3K | Best Buy $1K | Cap 1 QuickSilver $4K | Cap 1 Platinum 1.5k IN THE GARDEN(5/6/13) 11 Accounts $35K Revolving
Frequent Contributor
Lambo23
Posts: 252
Registered: ‎04-16-2012

Re: I took a HP for that???? SMH Cap One EO.

wow after reading this thread and multiple others I am starting to feel very lucky that I was able to get two of my limits raised from 500 - 1250 and from 1300 - 1750. the biggest increase was on my 3 year old card and the other is the cash rewards mastercard that I have had for a year now. I am still waiting to hear back from the lady though and also I asked for the AF to be waived. We will see how it goes but I feel fortunate to get the increases!

Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: I took a HP for that???? SMH Cap One EO.


Richierichdollar wrote:

Did you ask for a certain cli if not that might be why you only got $100


I asked for $1000 CL if possible (matches my highest CL) When I hear back from the lady I'll ask again if the $100 is the best they could do....

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: I took a HP for that???? SMH Cap One EO.

How long have you had the card?

 

There is no way in beep I would ever consent to a hardpull with them. Uggh my blood boils just thinking about Cap 1/Household Bank and hard inquiries. They still haven't resolved two inquiries on my TU that should not be there despite promise after promise.

 

 

100% Ficos: EX 753, TU 743, Walmart TU fico 749, EQ 739 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 $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+