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Frequent Contributor
ac921ol
Posts: 356
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
Creditaddict
Posts: 21,743
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- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
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
66 Cards and Counting :smileytongue:
Regular Contributor
dobirdsmommy
Posts: 227
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 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Valued Contributor
Duncanrr
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

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Frequent Contributor
creditscoreEE
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
ac921ol
Posts: 356
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
creditscoreEE
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.
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Valued Contributor
Duncanrr
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

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