topic Re: Credit One MANUAL CLI !!!! in Credit Card Approvals

Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 17:27:32 GMT

For those who care LOL .... After 10 months of my Credit One card (started in October 2014 with $300), and no CLI, I called the US Reps yesterday, who took my complaint and forwarded it to their back office for review for a CLI. I asked for $200, to match my new Capital One cards for $500 each...I also have a CU VISA from Western for $1,000, but figured I'd ask lower. I dont plan on using this card except for the gas rewards ($200/mo) and PIF, I mainly want it to help with my UTIL. Recieved a call just now from Credit Back Office. . they raised me from $300 - $800.00. Not massive, but from what I hear, quite a bang for Credit One!! If anyone needs the info for local reps in Vegas, PM ME! :-) My portfolio now includes:

*Capital One QuickSilver 1 $500

*Capital One PLATINUM $500

* Credit One Bank - $800

* Barclay Apple Visa - $3,000

* Western FCU - $1,000

A year ago I couldnt get a DIME in credit. Scores went from 501 (11/14) to 570 TU, 560 EQ and 600 EX! Getting there slowly LOL!

Re: Credit One MANUAL CLI !!!!

myjourney — Fri, 10 Jul 2015 17:35:23 GMT

Keep up the good work

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 17:36:45 GMT

thank you!!!!!

Re: Credit One MANUAL CLI !!!!

twiddledee — Fri, 10 Jul 2015 17:55:39 GMT

GREAT JOB - YOU ARE DOING ALL THE RIGHT THINGS. CONTINUED SUCCESS

Re: Credit One MANUAL CLI !!!!

CreditCuriosity — Fri, 10 Jul 2015 18:23:05 GMT

Congrats, amazing for Credit one.. I use to work their as a programmer.. The people at the EO which I worked at were actually good people, just servicing the sub-prime market ... We aren't all mean.

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 18:27:26 GMT

Now that you have real cards, you should dump Credit One. You no longer need it.

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 18:50:19 GMT

Congrats! its a miracle they didnt ask you to pay 9.95 for it!

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 19:00:25 GMT

Sweet!!!!! Congratulations!!!!!!

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 19:35:30 GMT

@Anonymous wrote:
For those who care LOL .... After 10 months of my Credit One card (started in October 2014 with $300), and no CLI, I called the US Reps yesterday, who took my complaint and forwarded it to their back office for review for a CLI. I asked for $200, to match my new Capital One cards for $500 each...I also have a CU VISA from Western for $1,000, but figured I'd ask lower. I dont plan on using this card except for the gas rewards ($200/mo) and PIF, I mainly want it to help with my UTIL. Recieved a call just now from Credit Back Office. . they raised me from $300 - $800.00. Not massive, but from what I hear, quite a bang for Credit One!! If anyone needs the info for local reps in Vegas, PM ME! :-) My portfolio now includes:

*Capital One QuickSilver 1 $500
*Capital One PLATINUM $500
* Credit One Bank - $800
* Barclay Apple Visa - $3,000
* Western FCU - $1,000

A year ago I couldnt get a DIME in credit. Scores went from 501 (11/14) to 570 TU, 560 EQ and 600 EX! Getting there slowly LOL!

I surely hope you are PIF as soon as it posts with this card. Also, the 1% on gas. Doesn't the 1.5% on your QS1 overshadow that?

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 19:53:18 GMT

I would pick the QS and treat that puppy like a debit card/check book, run everything through it, and PIF as needed.

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 19:55:08 GMT

That's the plan. Do I pay before due date and let statement cut showing low balance ?

Re: Credit One MANUAL CLI !!!!

Anonymous — Fri, 10 Jul 2015 20:03:35 GMT

@Anonymous wrote:
That's the plan. Do I pay before due date and let statement cut showing low balance ?

With Credit One, you must pay upon posting of every transaction to avoid interest. There is no grace period with them. You may get a 1% reward but if you are letting statement cut, you are likely paying double that in interest.

Re: Credit One MANUAL CLI !!!!

Anonymous — Sat, 11 Jul 2015 00:29:07 GMT

What was the number you called for this? Not asking for me but for a friend who is rebuilding. They always say no supervisors, no waiving of annual fees, nothing. Every credit limit increase request has always been a SP though.

Re: Credit One MANUAL CLI !!!!

Anonymous — Sat, 11 Jul 2015 18:23:16 GMT

the number is: 702-269-one thousand :-) Let me know how it goes !!!! You have to press 0 and ask for a US REP

Re: Credit One MANUAL CLI !!!!

schsa210 — Sat, 11 Jul 2015 20:18:39 GMT

Congrats!

And congrats on the Barclay Apple Visa also.

Re: Credit One MANUAL CLI !!!!

Anonymous — Sat, 11 Jul 2015 22:55:35 GMT

You are doing good. Hang on to that Credit One along with everything else while you try to get some negatives off your bureaus.

Kerp your utilization low. You are knocking on the door of the 600 club. See where your scores are by December and if they all are over 650 and you've cleared up your reports more then maybe consider closing Credit One.

Re: Credit One MANUAL CLI !!!!

9CLINE — Sat, 11 Jul 2015 23:46:20 GMT

Congrats.... looks like you're coming along nicely.. I remember when I was starting out,, this forum is the best to learn about credit and have some of best peeps too... Hang in there I've learned patience makes the credit grow higher...LOL !!!!!!

Re: Credit One MANUAL CLI !!!!

Anonymous — Sun, 12 Jul 2015 00:31:39 GMT

@Anonymous wrote:
You are doing good. Hang on to that Credit One along with everything else while you try to get some negatives off your bureaus.

Kerp your utilization low. You are knocking on the door of the 600 club. See where your scores are by December and if they all are over 650 and you've cleared up your reports more then maybe consider closing Credit One.

Honestly, the second you get an approval from another company that has one in their name is the second you should close a Credit One card. Unless you like wasting hard earned money, that is.

Re: Credit One MANUAL CLI !!!!

xautodetail — Wed, 16 Sep 2015 03:23:30 GMT

well i have on the same the you are i have 11 month i not have any CLI i sink to closet by i lake to keep for over year i don't know yet and congrat

Re: Credit One MANUAL CLI !!!!

whiteknight1971 — Wed, 16 Sep 2015 03:43:07 GMT

Congratulations ! Very nice job on establishing and rebuilding your credit so far ! Great job on having that Barlcays Apple with the $ 3,000 CL