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Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Moderator Emeritus

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!


pt2005 wrote:

Update: Logged on to Cap1 online this morning and saw a CLI bump of $2500. Now limit is $3000. (I told them Max 5K and Min 3K. They went with the Min then)

Supposed to get a call from Cap 1 today.

 

Looks like they PC'ed me to the Cash Rewards Visa with NO AF. Not sure about the rates though. 

I'll keep posting to let you guys know.


 

That's fantastic! Congrats!!! Smiley Very Happy

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 11 of 16
New Contributor

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

any way you could PM me the email addressses you used for the executive office, i have been stuck for what seems like forever as well

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Message 12 of 16
Highlighted
Frequent Contributor

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Looks like you did very well...Congratulations.

Something has definitely changed about Capital one ..... a lot of positive news and they actually act like they really care....I just hope they keep it up.


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 13 of 16
Established Contributor

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Did they do an SP or a HP or no pull to honor your request?

Message 14 of 16
Regular Contributor

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Thanks guys, especially somotao.

I could not have done it without your help. This forum is very awesome! I have learned a lot in the last 2 weeks after joining.

 

So the Exec called for the final times stating that they would remove the AF, PC my 12 years old Visa Platinum with 29.4% APR to a Cash Rewards Visa and give me $3000 CL. They said I can call after after 6 months to "touch base" (hint hint another CLI? Smiley Happy) I told them I still have another Cap1 MasterCard Rewards with $39 AF and $1000 CL. They said next time (6 months from now) when I call, they'll see what they can do. I told them it now makes no sense for me to have this Cap1 MC with AF and 1/3 of the CL of the renewed Visa. I asked for combine CL, they said can't do that, but call back after 6 months after I demonstrate how well I manage things. It's fair though, so I'm not complaining.

 

As far as being a Cap1 customer, yes I can tell that the I never got any problems with their cards. Transactions post quickly and their texting service is responsive. Though their website is not as flashy as Discover and AMEX, but for simplicity I can live with that.

 

BTW, I just got a Discover More for $1000 starting CL. I definitely should be in the garden for at least 6 months.

 

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 15 of 16
Regular Contributor

Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Looks like they did soft pull. Prior to contacting them, Cap1 hard pulled me on 3 bureaus on May 2012 for the Cash Rewards MC card app, but in Sep 2012 they hard pulled all 3 again for the Cap1 Spark Cash Select. I got both apps approved. So I figured they may have thought of doing me a favor for not pulling hard again, and use last 2 pulls.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 16 of 16