Capital One No longer does manual review?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The real question is has her scores changed any since the account was opened? Just keep trying every few days, its possible they just have not pulled a new report yet. I ran into that trying to get an early CLI on one of my Cap1 cards last december.

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Never thought about that. But to answer your question, yes her scores have changed for the better. They have increased to the low 600's from a mere 560. Plus she now has some leverage to get a CO from Barclay's off her report (a dismissal with prejudice). Also as an extra bonus she now has a PayPal Extras and a Walmart card reporting. 

Anyway back to my question, would hitting the LUV button too much cause a HP with Capital One, or would it be a SP if they did one at all.

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No, you can do it daily if you like. Cap One does regular soft pulls of your reports, about four times a year, and their CLI system simply refers to the last soft pull they have done.

[driftless]

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@Anonymous wrote:

From what I read in another thread just yesterday in the CC forum, I believe titled something like "$5k+ CLI from Capital One?" while CO in the past DID on occasion do manual reviews for CLIs, they no longer do.  Evidently this change happened within the last 2-3 months, as around 4 months ago I received a CLI from manual review.

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FWIW - my manual review was more than 3 months ago.

[Anonymous]

I think it was almost 6 months before they would give me a CLI. I would recommend her applying for another card. If she is in the low 600s she may be able to get the quicksilver visa. I burned cap 1 in a bk7 discharged in early 15 and last January they approved me for a platinum CL 1000. then a month later I applied for the quicksilver and got approved for 3000. With scores in the low 600s keep in mind. It took about 6 months of working those cards to get a CLI. Platinum went to 2500 and qs went to 5000. It's been a few months so I hit the luv button a few weeks ago and got denied. Today I went ahead and applied for the venture card.. got approved for 15000!!!!! Maybe you can have the same sort of luck!

[Anonymous]

I recently spoke with cap one on the phone Friday morning and they have enacted a new policy you can only get one card from them every six months. If you apply between that they will decline your app and not do a HP with a denial reason of you have a recent application or processing application.