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Frequent Contributor
RSCo
Posts: 472
Registered: ‎02-11-2013
0

Keep The Faith Everyone!!! Head HIGH!!

[ Edited ]

edited

 

Recently after being able to get ZERO new credit accounts for the past 5 years, I've been approved for a number of new accounts.

 

Discover - $5,000.00 (today)

Amazon - $1,700.00 (yesterday)

CHASE Slate - $2,500.00 (day before yesterday)

Citi - $2,200.00 increase to my 8k credit card AFTER 13 Years with them and ZERO lates EVER

Walmart - $600.00 initially, but an automatic raise to $800.00 after 3 months of my open account

Hyundai Motor Finance - $12,500.00 (after putting $18,000.00 on a 2013 $30,000.00 car)

 

I've had 2 Capital One credit cards for 13 years and still after 13 years with Captial One, a checking and savings account with them, and NEVER EVER late, they refuse to increase my CL on either card from $300.00 and $500.00 respectively....  They truly suck..  13 years with these jerks and they've never increased my CLs..

 

My current fico scores are:

 

Equifax - 708

Experian - 695

TransUnion - 665

 

Keep the faith everyone.... And hold your heads high!!!

Citi Hilton Honors: $25,000 -- Amex PRG: $NPSL -- Citi TY Premier World: $9,880 -- NWFCU: $7,500 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,000 -- Discover IT: $5,000 -- AmexTrueEarnings: $5,000 -- Amex Gold Delta: $4,500 -- Pottery Barn: $4,000 -- Ethan AllenGE: $4000 -- Chase Slate: $2,500 -- CapOne Platinum: $2,500 -- CapOne Platinum: $2,500 -- AmazonGE: $2,200 -- Barclays BJs: $1,800 -- WalmartGE: $1,500 -- PenFed LOC: $500
Regular Contributor
SFernandez13461
Posts: 207
Registered: ‎02-24-2011
0

Re: Keep The Faith Everyone!!! Head HIGH!!

Thanks for sharing.

I know just how you feel. About two years ago we got declined for a $200 secured credit card with our own bank -- didn't even know that was possible -- and we'd been customers for over 10 years. But in the past six months or so we've been approved for cards with limits ranging from $500-6000. Although our prior struggles getting credit are a result of our past failures to meet our financial obligations -- we were both laid off at various times over the years -- it feels really good to finally get an opportunity to show that we can handle credit responsibly. 


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
Valued Member
civilitermortuse
Posts: 46
Registered: ‎04-16-2012
0

Re: Keep The Faith Everyone!!! Head HIGH!!


RSCo wrote:

edited

 

Recently after being able to get ZERO new credit accounts for the past 5 years, I've been approved for a number of new accounts.

 

Discover - $5,000.00 (today)

Amazon - $1,700.00 (yesterday)

CHASE Slate - $2,500.00 (day before yesterday)

Citi - $2,200.00 increase to my 8k credit card AFTER 13 Years with them and ZERO lates EVER

Walmart - $600.00 initially, but an automatic raise to $800.00 after 3 months of my open account

Hyundai Motor Finance - $12,500.00 (after putting $18,000.00 on a 2013 $30,000.00 car)

 

I've had 2 Capital One credit cards for 13 years and still after 13 years with Captial One, a checking and savings account with them, and NEVER EVER late, they refuse to increase my CL on either card from $300.00 and $500.00 respectively....  They truly suck..  13 years with these jerks and they've never increased my CLs..

 

My current fico scores are:

 

Equifax - 708

Experian - 695

TransUnion - 665

 

Keep the faith everyone.... And hold your heads high!!!


You should use the EO for the Capital One, trust me it works, I was able to go from 750 to 2000 with a high utilization at the time.  They will call you and try to give you what you ask for.  Look up executive office capital one on the forum.

Senior Contributor
john398
Posts: 3,515
Registered: ‎01-19-2009
0

Re: Keep The Faith Everyone!!! Head HIGH!!


civilitermortuse wrote:

RSCo wrote:

edited

 

Recently after being able to get ZERO new credit accounts for the past 5 years, I've been approved for a number of new accounts.

 

Discover - $5,000.00 (today)

Amazon - $1,700.00 (yesterday)

CHASE Slate - $2,500.00 (day before yesterday)

Citi - $2,200.00 increase to my 8k credit card AFTER 13 Years with them and ZERO lates EVER

Walmart - $600.00 initially, but an automatic raise to $800.00 after 3 months of my open account

Hyundai Motor Finance - $12,500.00 (after putting $18,000.00 on a 2013 $30,000.00 car)

 

I've had 2 Capital One credit cards for 13 years and still after 13 years with Captial One, a checking and savings account with them, and NEVER EVER late, they refuse to increase my CL on either card from $300.00 and $500.00 respectively....  They truly suck..  13 years with these jerks and they've never increased my CLs..

 

My current fico scores are:

 

Equifax - 708

Experian - 695

TransUnion - 665

 

Keep the faith everyone.... And hold your heads high!!!


You should use the EO for the Capital One, trust me it works, I was able to go from 750 to 2000 with a high utilization at the time.  They will call you and try to give you what you ask for.  Look up executive office capital one on the forum.


Wow I did not know they will do that with high util, can someone PM me the email address?

Frequent Contributor
kimmiller112
Posts: 467
Registered: ‎04-09-2012
0

Re: Keep The Faith Everyone!!! Head HIGH!!

Yes, definitely contact the EO for both of your Capital One cards.  I had mine for about a year and a half when I emailed the EO for a CLI after unsuccessful attempts every 6 months.  I asked for $5000 when I had a $1500 limit and they approved it.  If you do it, shoot high (like $5000 each) - they will probably ask you if there was a lower amount you would "settle" with if they can't give you the entire amount.  In my case, I said $3000 but still ended up with the $5000 I asked for.  You can do a web search for "executive office Capital One" for email addresses.  I sent an email in the evening, got a call the next day and was approved two days later.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500

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