Hey there everyone,
It's been some time since I've poked around here, but I've read many great stories and helpful information from these forums whenever I had questions about any credit issues. With that in mind, I think I came across something fairly extraordinary today, and felt like sharing it.
I logged into my Capital One account today, as I typically do each day, mostly to check that no sudden pending charges appear which I never authorized, and then to just check the account offers page to see if anything appears there. The last time anything happened with that button was an offer to upgrade my card to the QuickSilver one, which I took (and then it said I wouldn't be eligible for any other offers for 6 months.) It hasn't been that long yet, though, but I still click on it out of habit.
In either case, I log in and before even being presented with my account page, there's a landing page, where I typically see an offer to go paperless, or some other advertisement. However, looking at it closer, it actually read:
You're a 5-star customer!
You've done a great job managing your account, so we think you qualify for a credit line increase.
I then checked the date, and sure enough, it was April 1. So I am thinking to myself, man this is some cruel joke.
It's also quite sad when a credit card company offers a CLI and my first reaction is that it's a joke.
But I figure, well, whatever, I'll play along, and click the button.
A bit of income info, and checking that they won't pull another inquiry on my CR, and I hit submit.
Lo and behold, they offered to give me a 5k increase from my 1.5k limit, for a total of 6.5k, which appeared in my account summary page.
At this point, I am expecting a message from Capital One tomorrow saying it was a joke, gotcha, it was actually a CLD, you now have a $500 limit.
One heck of a message to see on April Fool's Day, though.
