Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
Re: Capital One Increase
[ Edited ]

I got my increase on Wednesday for 100 Unsecured as well. I have had the card for 6 months to the day of the increase. I never asked for one, I never got a letter. I did get a call on thursday for them to notify me it is there and to congratulate me on my continued responsibility of the card and for keeping the card in very good standing..

Now last month while I was playing with the FICO scoring trying to figure out the formula *Yeah ok*, I did not pay it in full. Right before the statement cut I did pay it in full this month and have -1.47 sitting there so it reported 0.00 yesterday to my CRA and my DH.

 

I have only give 50 in secured deposits after my initial 49.00.

 

I will agree usage is the deal breaker for them.

 

my DH is an AU and he uses the card more than I do. In the am for coffee, bagel soda, cigs. whatever.

 

I pay it when it post plus I always pay the extra 10% over since I know he will use it Monday , Wednesday, Friday.

 

We have charged meals on there for like 20.00 or a 32.00 grocery bill the other day but I always pay after the items come out of pending status.

 

YMMV

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 2000 FH, Santander Car 10k/15k, Chase Auto Loan 12/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 2 FP CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k