Credit Cards

[FretlessMayhem]

The popular theory around here is that Capital One likes to see A LOT of usage and PIF for CLIs.

[Niki9]

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unknown_entity wrote:

Just get another Capone...(lol)  that's funny!!  card and combine them.  Then wait 60 days and apply for another card.  It worked for me.  I made sure I got the "above average credit" catagory and the max CL on my new card, according to the application is $15k.  It started at $750 so we'll see how long it takes to go up.  With Capone, my experience has been that they don't care about anything but making your payments on time.  I even got a CLI on a $500 card with a $465 balance.  They don't even really care about going over your CL.  But if you're late ONE time, that's your a** for at least a year.

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Am I to understand you correctly, you had a cap1 card, applied for another and combined the 2 cards.  Then you waited 60 day and applied for another cap1 card?  - did you combine this one, too?

[unknown_entity]

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Niki9 wrote:

Am I to understand you correctly, you had a cap1 card, applied for another and combined the 2 cards.  Then you waited 60 day and applied for another cap1 card?  - did you combine this one, too?

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Yes, got one Cap One card in 07/2007 (started at 300 CL and was at 1000) and one in 10/2007(started at 300 and was at 1600).  Combined those two in 02/2008 for a total CL of 2600 and I just got another one yesterday CL is 750.  I don't think I'd attempt anymore combinations.  I'm probably pushing my luck with Cap One as it is.   lol

[turbowrx]

I dont think there's any formula to get CLI with them. I gave up.

[unknown_entity]

Here's what I did.  It's worked for many on here. Started with a 300 CL, I made my first 3 payments, then called the backdoor number after the 3rd payment posted and got a 300 CLI. When the credit steps hit right before the 4th statement cut, I got an auto CLI of 500.  That gave me 1100 total.  I waited until the 5th payment posted and called again and they gave me another 500 for a 1600 total.  But, since I've combined those two cards, I haven't been able to get a CLI and I called about one a few times. 

[genewal]

I tried to combine my 2 capones cards one visa one MC they wont combine unless there both MC or visa wont combine MC and visa

[unknown_entity]

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genewal wrote:

I tried to combine my 2 capones cards one visa one MC they wont combine unless there both MC or visa wont combine MC and visa

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Call back and get and get another person.  They combined them for me.  One was a M/C and the other a Visa.  Call one of the backdoor numbers.  If you call 10 different times, you'll get 10 different people...lol.  Someone will do it eventually.

[divorcedcapone]

I don't know why they are that way, but I found them extremely unhelpful too. I ended my relationship with them after they wouldn't end their annual fee charges.

Only once in my long relationship with them was a phone call was helpful (except for when I closed my account). Most of the time it wasn't. However, my wallet was stolen after being with them for 1.5 yrs, and when I got a replacement card by phone they increased my credit limit. I think it probably happened that way because they wanted me to spend more and get more interest from me, as I was a revolver at the time. Not saying get your wallet stolen...but that's how it happened for me. Just dumb luck I suppose.