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Established Contributor
Posts: 569
Registered: ‎02-11-2013
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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!!!

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Regular Contributor
Posts: 235
Registered: ‎02-24-2011
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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
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
Posts: 3,528
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
Posts: 474
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.

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