topic OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST in Credit Card Applications

OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

yoyo — Mon, 27 Jul 2015 14:44:13 GMT

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**DECLINDED DUE TO ; RECENT CLI WAS IN MARCH....AND THE 3RD ACCOUNT WAS DECLINDED DUE TO "TOO MANY REVOLVING NEW ACCOUNTs"...

Oh well...will try again in October. Just trying to bring up my score to a refinance auto loan w/credit union...

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07-20-2015 11:58 AM

**HELLO ALL.

I've decided to ask Captial One for another manual review. This first one was requested in March.
Since I got another CLI w/Overstock yesterday and my scores jumped 30 to 45 points...why not ask again?

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Sent March 2014...Denied...will let you guy know of the outcome...I've also opened a savings account with Cap1 a few months ago.

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Hello,

Well I've sent an email to the Executive office about 1 week ago. Well they called me back on both Cell and office phone.
I just go off the phone with a nice lady and she went into great detail about my email and my Credit Cards (3) with them.
As we went through all cards individually, I was asked the following info:

1. Income
2. Employment
3. Informed of Soft Pull
4. How much I wanted and if I was willing to accept an amount that was less than what was requested.
5. Rent/Mortgage payment

She kept thanking me through out the conversation and was informed that all three emails were sent to their underwriting department for review.
I can call her about 4-5 days of the pending outcome....

I will let you guys know...keep your fingers crossed...

Cap1 Plat $1,100
Cap1 QS $750
Cap1 Sony $750
Cap1 Auto $16,000
Avant personal loan $2,100
Overstock $1,200
Khols $300
Von Maur $300

**UPDATE 7/2015
Cap1 Sony $2,000 (increase received)
First Savings Credit visa $500
Overstock $1,800 (increase received)
Von Maur $500 (increase received)

Scores in March when email was sent 600/579/600 Now 635/618/645

Re: OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

kdm31091 — Mon, 27 Jul 2015 17:02:06 GMT

I am glad you posted this - I'm sorry they said no, but this will help ease the perception that EO is a magic wand and you'll call them and get a CLI!

Generally with Capital One it's 6 months between increases - EO or not. That's just their policy. There are exceptions but usually requesting before then is a waste of time.

Re: OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

yoyo — Mon, 27 Jul 2015 17:52:17 GMT

Understood...I'll hit the love button in Oct if I don't see anything....Saw you're previous post...wow.
I'll bug EO in a few years lol

Re: OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

Existentialist — Mon, 27 Jul 2015 19:11:42 GMT

Just work the cards U currently hav and in time you'll yield the positive results U seek as opposed to merely acquiring new credit. Keep pressing forward.

Re: OUTCOME...CAPITAL ONE DECLINED EO 2ND REQUEST

Anonymous — Mon, 27 Jul 2015 20:10:26 GMT

Sorry for the denials and thanks for the update.