Maxxing out a CC for the intro APR and it killing my ability to get a CL on another card.

[Simply827]

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@gpfirestone wrote:

Btw, I graduated law school in 2009 and since them have paid off over $80k in school loans, purchase my home (20k down), save up 30k, and do alot of traveling so I must be doing something right.  My business is successful and I understand my finances.  I'm not a risk to default on credit card debt and again we're getting off the simple question I asked which was whether there was a way to interact directly with Capital One to get what I want.

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But on paper you are a risk and that is what lenders are concerned with. Multiple people here have told you what to do. It appears you're not willing to take the advice, so best of luck.

[gpfirestone]

I totally agree with everything you said here.  What I was asking though was if there was a way to speak to a C1 rep directly and have them view everything in its entirety rather than just the #'s on the credit report that show a high utilization which suggests that I am insolvent which I am not...

[j_casteel]

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@gpfirestone wrote:

I totally agree with everything you said here.  What I was asking though was if there was a way to speak to a C1 rep directly and have them view everything in its entirety rather than just the #'s on the credit report that show a high utilization which suggests that I am insolvent which I am not...

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NO

[j_casteel]

BTW, you simply asked what you could do to get an increase with Cap1....there have been several posts now of people giving you answers and you seem to not like what you're hearing. You can't have all your cards reporting maxxed out and request for more credit. Either consider taking the advice given to you or just continue to do what you do.

[09Lexie]

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@j_casteel wrote:

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@gpfirestone wrote:

I totally agree with everything you said here.  What I was asking though was if there was a way to speak to a C1 rep directly and have them view everything in its entirety rather than just the #'s on the credit report that show a high utilization which suggests that I am insolvent which I am not...

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NO

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Insolvent? No, a credit risk for default, yes.   Assuming you get the phone call you want be prepared for the same questions/comments posted here. Mainly, why can't you pay your bills down? Why are you maxing out your credit cards? Why are you maxing our credit card? What cash reserves do you have in the event your invoices go un paid?

In my short time on this forum the one thing I take away from those with the high CL is UTILIZATION. Since this is a point that you wish to overlook, your scores will remain 'good'  and your request for increases will be denied. 

[awdsmama]

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@gpfirestone wrote:

Btw, I graduated law school in 2009 and since them have paid off over $80k in school loans, purchase my home (20k down), save up 30k, and do alot of traveling so I must be doing something right.  My business is successful and I understand my finances.  I'm not a risk to default on credit card debt and again we're getting off the simple question I asked which was whether there was a way to interact directly with Capital One to get what I want.

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If you aren't liking the answers you've gotten then you have another option.  Call Cap 1 and ask for what you want.

Search various combinations of "cap 1 exec office" or "cap 1 backdoor number" and you'll find a few different phone numbers you could try. 

[drkaje]

Live by the float, die by the float.

Calling to ask for a manual review will probably set off a huge red flag. I'm willing to believe your poop is together but wouldn't want to be on the hook for too much of it.

Perhaps a business line of credit might make more sense. You'd be losing reward points and probably some cash back but they're more suited to running a business than credit cards. Best analogy I can think of is the floor plans car dealerships use.

[llecs]

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