topic Re: Capital One EO interaction in Credit Card Applications

Capital One EO interaction

Anonymous — Thu, 21 May 2015 05:54:59 GMT

So I reached out to C1 via Facebook the other day as they had recently denied my for an increase due to "low monthly payment" or something along those lines and saw everyone here commenting how well they did via the EO. Well a nice lady finally gave me a call today and informed me that when they do the EO reviews it is only a SP. Is that correct as I swore that I saw it would be a HP and make me exit the garden for an EO call? She also asked me what kind of increase I wanted from my 3K current balance and I asked for 10K and agreed to accept a counter if offered hoping they will give me 5K but leaving it open for more if they are feeling generous. Finally before we got off the phone I asked her if they could look in to possibly removing a 30 day late I received in 2011 that is the only baddie I have ever gotten on my report. She said she would look into it and give me a call as well as let me know what the outcome of the limit increase request was most likely within 5 days. I'm half hoping to hear something Friday but figure it would be Monday. I just figured I would post my experience and I will update the thread when I receive any word back from them. Heres to hoping I get as lucky as some of the rest of you seem to be with the EO.

Re: Capital One EO interaction

Anonymous — Thu, 21 May 2015 06:20:29 GMT

Alright man good luck!

Re: Capital One EO interaction

Anonymous — Thu, 21 May 2015 10:15:20 GMT

There are some real excellent people on facebook. Even one I took my time to write a message too her boss on how wonderful she is.

On the flip side. I still get a lot of answers of "I cant do that" "That is not possible" etc.

I recently posted to there facebook and got "we will escilate your concern up"...well almost a week later I have heard nothing.

Captial one makes it extremely hard to do buisness if you are having a problem that needs to be taken care of right away.

Re: Capital One EO interaction

Anomalous — Thu, 21 May 2015 10:38:54 GMT

Good luck! Yes, it is only a SP. I've used the EO route myself last year.

Re: Capital One EO interaction

Anonymous — Thu, 21 May 2015 12:05:29 GMT

Good luck! I got a call from the EO on Tuesday last week and they still haven't reviewed my case. I called yesterday to inquire and the rep said they have a backlog of requests but that they would have an answer this week.

Re: Capital One EO interaction

Anonymous — Thu, 21 May 2015 17:15:10 GMT

I contacted them a week or so ago on FB and they said they would have someone contact me so it doesnt surprise me that they are backed up. I'm in no rush and am only using this increase as part of my strategy to improve my credit vastly over the rest of this calendar year so they can take all the time they want as long as something positive comes from the other end

Re: Capital One EO interaction

Anonymous — Mon, 25 May 2015 11:29:04 GMT

Same here OP, I got a call from here and complained Ina nice way how I've had my two Cap cards for over 3 years and every payment made on time but yet I still have a $1000 CL. I asked for $4k on each account, I know I should have asked for more. This was last week so hopefully I get a call Monday or Tuesday.

Re: Capital One EO interaction

Anonymous — Tue, 26 May 2015 00:30:33 GMT

I asked for 10 knowing they most likely wouldnt go that high but I would get the max they would offer most likely. I didnt hear anything Friday and of course today is a holiday so I am hoping to hear something back from them tomorrow or Wednesday at the latest. I go to Vegas next Friday and it would be nice not to max out my regular spend DC there on my rental and hotel and all that so that I don't report high utilization on it next month

Re: Capital One EO interaction

Anonymous — Thu, 28 May 2015 06:54:14 GMT

Update: Still haven't heard anything back from them and also just logged in to my account and still do not have any kind of increase. Starting to get a bit nervous but the 5 business days are not until Friday or so anyway. So, just keep waiting I suppose

Re: Capital One EO interaction

Anonymous — Mon, 01 Jun 2015 18:52:15 GMT

Have you heard back from them yet? I sent my email on the 13th. Got my call on the 21st and nothing since...

Re: Capital One EO interaction

Anonymous — Mon, 01 Jun 2015 20:50:26 GMT

Yesss...update us...any luck??

Re: Capital One EO interaction

Anonymous — Tue, 02 Jun 2015 06:02:15 GMT

Still haven't heard anything. I called when I got in from work this evening/morning (2nd shift) and left the rep a message saying I was calling in to follow up as we spoke the 20th and I am nearing the 10 business days pretty quickly so I hope to hear SOMETHING tomorrow. I leave for Vegas Friday and would like to put my expenses for the trip on the C1 card, but we will see. More than even a limit increase I'm hoping they will remove the 30 day late as even being from 4 years ago I am sure it is still hurting me a little and my profile has been improving drastically now that I have discovered this site and started chipping away at my CC debt so an increase would inevitably come in time, but I've still got 3 more years exactly until that baddie disappears on it's own I will update tomorrow if I hear anything.

Re: Capital One EO interaction

Anonymous — Sun, 07 Jun 2015 23:30:09 GMT

Heard back from them Thursday, was a giant waste of time. Would not remove the 4 year old 30 day and would not budge on my puny 3K limit. I believe C1 will go in the SD and have some random charge put on it monthly. My scores have increased a decent amount since I got the card a year ago and they offered me nothing. Oh well, I will just givi Citi and Discover all my business and eat up 2% CB on them

Re: Capital One EO interaction

Anonymous — Sun, 07 Jun 2015 23:36:25 GMT

Yes they also just denied my request to remove a late as well. I filed a complaint with the better business Bureau. I'm confident nothing will change, but I will feel better if I grove give them a bad mark! !! It's the least i can do since my credit is suffering thru no fault of my own.

Re: Capital One EO interaction

Anonymous — Sun, 07 Jun 2015 23:46:07 GMT

Sorry Wesleym to hear about your bad experience.

When I worked with them last year they told me they would have additional info for me if my request could not be honored. I requested an increase to $4k on my account to match my other highest line at the time. They countered and moved me from $1,250 to $2,500. They stated it was because my total CLs with them would exceed the $4k amount I was requesting.

Did they give you any additional info to help you for possible increases in the future?

I expect to have to use them in a few months because the CLI button always gives me the same denial reason that does not accurately reflect my credit report. I hope they have not turned sour and are going to start habitually declining modest requests like good will baddie deletion and occasional CLIs.

Re: Capital One EO interaction

Anonymous — Mon, 08 Jun 2015 05:19:49 GMT

The reasons she gave me were

Inquiries: Obviously I have a high number but it is artifically inflated due to a lot of rate shopping and multiple vehicles in the last year which was explained

Low payment relative to balance: I don't pay them much because I am on 0% intro APR and am better served paying off other interest accruing debt which was also explained to them.

Honestly this interaction really turned me off to C1 for some reason. I was also denied an increase with citi about a month ago VIA EO but when that occured she spelled out exactly what they wanted to see from me to get an increase and I have done what they ask so I am waiting a few months to see if I trigger an auto increase and if not I will give them a call back.

Re: Capital One EO interaction

Anonymous — Mon, 08 Jun 2015 13:50:27 GMT

I still haven't heard back from them. Can you give me the EO number?

Re: Capital One EO interaction

Anonymous — Mon, 08 Jun 2015 16:28:12 GMT

Send them a message on Facebook again. From what I understand it works better to have them elevate your request to EO than you just directly call in