Re: pending Capital One EO

ihatemyscore · ‎03-24-2013

So I received a CLI on my orchard bank card from the capital one/ob EO from 300 to 1000... I decided to try and get a CLI on my cashRewards that I opened in January. I have been putting 400+ a week on a 500 dollar limit.. and been making multiple payments a month..

I emailed the EO and recieved a call. The guy understood my frustrations.. because of the multiple payments and having to wait until they post..

I requested 2000 he said if he grants my request it will not have any effect on my credit steps program my card is enrolled in.. he said it will be a SP and the good thing my OB and Navy is reporting 0 on 1000 dollar limits.. I have a account reporting a small balance so my uti is at 8%...

He said will hear a responce by Tuesday..

Hopefully it goes through!!!

The reason why I'm requesting so early because my OB account has perfect history and I just closed my secured card with perfect history and he said they will take it into account..

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.

LS2982 · ‎03-24-2013

Fingers crossed for ya!!!

EQ FICO 548 3/3/16

ihatemyscore · ‎03-24-2013

Thank you!!!

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.

Pilotdude · ‎03-24-2013

Likewise. If it helps, cap one's EO got me from 500-1500 about a month back with 50-60% util.
I might try my hand with them this week since my util is now 3% and my rep told me to call back and try even if its only a month later.

It's an SP so it's basically risk free.
The Cap One EO is awesome in my book.

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

myjourney · ‎03-24-2013

best wishes good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

kroberts67 · ‎03-24-2013

Soft pull.... not for me! They said theyd do a SP but it reported HP on all 3. I emailed the CEO before i knew about the inquiries showing. Hopefully Ill get a call soon.

Is there any recourse when they say SP but do hard?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

WarJar101 · ‎03-25-2013

@kroberts67 wrote:
Soft pull.... not for me! They said theyd do a SP but it reported HP on all 3. I emailed the CEO before i knew about the inquiries showing. Hopefully Ill get a call soon.

Is there any recourse when they say SP but do hard?

Maybe, but it might be a hassle anyways. You could definitely try though, you've got nothing to lose.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX

ihatemyscore · ‎03-25-2013

No change yet! No pulls yet though I bet by tomorrow ill know

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.

ihatemyscore · ‎03-26-2013

They SP my eq, I havent checked tu yet... they didnt soft ex.. but i checked my account tonight and no increase ?

im expecting the regret call tomorrow from the EO office

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.

PSouz · ‎03-29-2013

@ihatemyscore wrote:
They SP my eq, I havent checked tu yet... they didnt soft ex.. but i checked my account tonight and no increase ?

im expecting the regret call tomorrow from the EO office

any new updates? hopefully they gave you the cli!

Amex BCE $14k (backdated to 1/11), Chase Freedom $500 (11/2012)
Discover It Student $3k (3/13), Citi Dividend Platinum Visa $3k (3/13)
Capital One Cash Rewards Visa $3.5k (3/13)
Starting Score 3/20/13 - TransUnion FICO 758 - Goal Score 800

pending Capital One EO

Get your FICO® Score for free

pending Capital One EO