Reply
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

I applied for Cap 1 Cash Rewards Visa Signature Card a month ago. I didn't get instantly approved. It was denied due to too many inquiries and too many accounts opened. I emailed to Cap 1 EO last week and I got a phone call from them last Monday. They told me they forwarded to credit dept for manual review. Today, I go t another call from them. I wasn't there to answer and they left me a message to call. I called them they told me it was approved for $3K.  The card was sent out last week.It is a lot compared to my other cards I have. Hopefully, I will get CLI after six months or a year.  They were helpful and friendly. They were called you as soon as next day. I didn't expect from Cap1.  I thought they were bad. I was wrong. Anyone got stuck at lower limit and you should email them for help instead of normal customer service. 

 

 

Ron.

Moderator
09Lexie
Posts: 26,630
Registered: ‎09-13-2012
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!


09Lexie wrote:
Congrats on your recon!

Thanks!!! :smileyhappy:

 

Ron.

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

Nice!!  Congrats!!  :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

[ Edited ]
Congrats! I too have been successful with cap one eo.... They granted me credit increases on my two cards last October and December....I contacted them again last week to change my platinum to venture and it was approved.. 2 miles per dollar.... And also increased my limits again, from 1250 to 2k and 1500 to 3k . And hopefully waive my AF... Wanted the cards to reach at least 5k but its only been 3 months from the last increase so its ok.. Ill ask again before Christmas .. Hopefully the eo would still be handing them out...

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Senior Contributor
jsucool76
Posts: 4,035
Registered: ‎12-11-2011
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

Congrats on the approval!

I dont get how you got denied in the first place though. I got a 3k cash rewards card with no AF without any issue, and i know your reports are a lot better looking than mine.
;
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!


jsucool76 wrote:
Congrats on the approval!

I dont get how you got denied in the first place though. I got a 3k cash rewards card with no AF without any issue, and i know your reports are a lot better looking than mine.

Thanks!!!!  It might be the number of  inquiries and balances lowering the scores.  Penfed pulled twice on my EQ and once on my TU.  It might be the hoilday and paid the tuition bill for my brother. It might drive up the total balances. I also have a few new accounts opened and closed recently. It might lower the score. $3K is better than denial.  I'm looking for CLI after six months by calling Cap1 EO again. Their service is awesome!!!!

 

 

Ron.

Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

First, congrats! Second, this is actually a huge data point. Have you confirmed they did not pull again? 

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!

Congrats! You are correct. The NEW CAP ONE has improved customer service. I second your opinion on how nice, polite, and timely they respond to their customers. They have been VERY good to me as well.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: UPDATE: Cap 1 Executive Office Recon for Cash Rewards Visa Card !!!! Another success!!!


flowfaster wrote:

First, congrats! Second, this is actually a huge data point. Have you confirmed they did not pull again? 

 

I pulled triple credit report from MPM and I didn't see any pull from them. They told me it was approved on Friday. I think they used the old report to make a decision.

 

 

Ron.

 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}