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recon cap one

New Contributor

recon cap one

Seeing everyone elses success with the love button i decided to give it a try. I received my letter yesterday advising me why....a credit limit increase in your account is currentlynir available upon request in order to review account activity at assigned limits. Also gave me my score of a 611, which letter states was pulled on 6/25/13....i didn't request this until 7/20/13. I have been with them since 2008 and stuck at $500. Should i try eo or just sit tight and wait for my score to come up more
2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Message 1 of 5
4 REPLIES
Contributor

Re: recon cap one

You can try with EO.. it can't hurt. How long have you had the card? Ever have an auto CLI or were you in the credit steps program?

Message 2 of 5
Regular Contributor

Re: recon cap one


determinedchick wrote:
Seeing everyone elses success with the love button i decided to give it a try. I received my letter yesterday advising me why....a credit limit increase in your account is currentlynir available upon request in order to review account activity at assigned limits. Also gave me my score of a 611, which letter states was pulled on 6/25/13....i didn't request this until 7/20/13. I have been with them since 2008 and stuck at $500. Should i try eo or just sit tight and wait for my score to come up more

This is because Captial One soft pulls your credit every once in awhile.  When you request a CLI, they use their most recent SP on file, so that they don't have to do a HP to approve/deny your CLI request.

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Message 3 of 5
Contributor

Re: recon cap one

Has your score gotten better since 6/25? If so.. try hitting the button again today.. see what the result is. Either way, contact the EO.. They push the request directly to an underwriter, whereas your luv button request was computer determined..

Message 4 of 5
New Contributor

Re: recon cap one

Thanks for the advice.  I may have had one auto cli back in 2008, but thats it. 

2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Message 5 of 5