10-19-2012 09:18 AM
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!!!
10-19-2012 09:35 AM
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
10-20-2012 02:06 PM
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.
10-20-2012 02:21 PM
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? ) 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.
10-20-2012 02:25 PM
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.
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.