Reply
Frequent Contributor
Posts: 357
Registered: ‎11-16-2012
0

does cap1 raise the limits on Secured Cards??

better half has a secured card with them, she did the pay 50 get 200, well she got a $100 increase and its now $300, I was wondering (since they dont want to PC her to a QS) can she call them and ask them to raise her secured limit card to 1k or 2k without getting a hard pull??? has anyone had them raise a secured card that much before with only  a soft pull?



12/28/13 (Garden Start Date)



Epic Contributor
Posts: 23,280
Registered: ‎10-23-2007
0

Re: does cap1 raise the limits on Secured Cards??


ac921ol wrote:

better half has a secured card with them, she did the pay 50 get 200, well she got a $100 increase and its now $300, I was wondering (since they dont want to PC her to a QS) can she call them and ask them to raise her secured limit card to 1k or 2k without getting a hard pull??? has anyone had them raise a secured card that much before with only  a soft pull?


you can't call regular captal one... you always end upw ith "peggy"

 

Send an email to EO office... I will private you that now.

send your name, contact number and ask for product change to quicksilver, waive annual fee and cli to $2k... they will call and go over things and ask if they will accept less cli.

Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 350
Registered: ‎02-29-2012
0

Re: does cap1 raise the limits on Secured Cards??

You can try. I have requested it once a month. I now have 400 limit with my secured 49 for 200. Capital One increased it 150 for my 50 extra increase.  Every month I am told to apply for another card. no PC nothing. I have had the card for almost 2 years. We push alot thru it and PIF every month. One month I figured I would let them earn a bit of interest then tried again and I was told no reapply for something else. :smileymad:

2011 starting score 383; EX 687, EQ 698, TU 675 2/16/15
Wallet:ME: Venture 15k; Slate 5k; Freedom 10k; overstock 4.2k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 2.4kl NMAC at 3% Lease; Chase Auto Loan 11/16k, VS 1.45k, BH 1.35k, Express 1.3k, Avenue 1,45k, JCrew 5k, HSN 1.47k, Torrid 1.25k, Roamans 1k, Jessica London 1.24k, kings direct 1.4k, Buckle 1.1k, OSP 1.35k, WW 1.35k, Solutions 1.35k, .......... baddies: 1FP CO 08 coming off 5/15,
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: does cap1 raise the limits on Secured Cards??

Ive received one auto-CLI on my Cap1 secured card (I think it was like $500).  This was about after 10 months of having the card.  I would use frequently and always PIF.  I also made 2 other CLI deposits into the card after my initial deposit.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 303
Registered: ‎04-18-2013
0

Re: does cap1 raise the limits on Secured Cards??

Creditaddict may I get this info also? Thanks.
Samsung mobile
Frequent Contributor
Posts: 357
Registered: ‎11-16-2012
0

Re: does cap1 raise the limits on Secured Cards??

we have talked to the EO about a PC, they didnt do it, they said Cap1 no longer product changes a secured card to QS card. They told us to apply as well, better half wasnt excited about it, I would have told her to get BOA or another secured card that is OK PC to a rewards card. We forgot to ask for a CLI tho



12/28/13 (Garden Start Date)



Frequent Contributor
Posts: 303
Registered: ‎04-18-2013
0

Re: does cap1 raise the limits on Secured Cards??

Thats good too know. I heard boa secured is a little bit harder to get than cap 1 my reason for applying for cap 1 first.
Samsung mobile
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: does cap1 raise the limits on Secured Cards??

I make two years on my secured cap1 card in June.  I will call in May for a PC and if they dont then the card will be cancelled.  I will not submit another triple pull for a cap1 product.  I appreciate them extending credit to me during the rebuild but if they dont want to grow with me then I'll stick to the ones that will.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.