topic Re: Capital one in Credit Cards

Capital one

CoCoB2 — Thu, 01 Jan 2015 21:17:47 GMT

Hi everyone. I have some questions that Im hoping someone can answer for me. I have two cap1 cards, one that was previously an Orchrd bank card, and the other is a Cap1 quick Silver. The first one is now a cap1 basic platinum card. I have had the card since 2009, and have never requested a CLI. I have recently requested an increase three times this year and have beed=n denied each time. The reason given was that I was recently late on a payment (over a year and a half ago. nothing else in the past three years) and that my score is too low. The problem is is that they have a score of about 504. SOOO not the case. Ive disputed this with them, and they just tell me to contact the Credit bureus, I did just that and the score they have is totally different. They approved me for a quicksilver card not too long ago, and with a diferrent score. How is my score good enough for a new card but not for an increase. CAN SOMEONE PLEASE HELP!!! is there a backdoor number somewhere??

Re: Capital one

TRC_WA — Thu, 01 Jan 2015 22:04:52 GMT

The scores are different because CapOne gives you a FAKO score.

FICO is the only one that matters... and if your scores in your sig are current I'd say you need to garden a bit to raise them.

How late was your payment a year ago? 30/60/90/120 days?

You had a tax lien?

What other derogs do you have? They are most certainly affecting your requests for CLI. Just because they gave you a $300 card doesn't mean they'll give you a CLI on your other card... I'm not really surprised.

Re: Capital one

CoCoB2 — Thu, 01 Jan 2015 22:31:37 GMT

Tax lein has been paid in full, it was on my report less than a yr, and has been since vacated. My credit report says I was late 30 days a year ago. I just spoke to them (cap 1) they claim I was late three times in the begining of 2014. My credit report from all three show something totally different. I only have one medical bill collection left that I continue to dispute because I had health insurance at the time, and in the hospital's error they bill the wrong company. other than that, no other baddies. total of 3 30 day lates in over two years. I jut spoke with a supervisor at credit 1 regarding the same issue. He gave me a $200 increase and an address to fwd my recent credit reports so they cab see that they have incorrect info. But Cap 1 just wont budge!!

Re: Capital one

CoCoB2 — Thu, 01 Jan 2015 22:41:16 GMT

Sorry, just updated my scores. Cleared up alot of jusnk on report!

Re: Capital one

coldnmn — Thu, 01 Jan 2015 22:41:38 GMT

You could contact Cap1 through Facebook, solutions@capitalone.com or Email the CEO exective office link below. Explain your concerns and that you would like to have Cap1 as your go to card but find it impossible with your current credit limit. Only include phone number linked to the account. Facebook seems to get the fastest reply. Good Luck!

http://bit.ly/1g0P1zO

Re: Capital one

Anonymous — Thu, 01 Jan 2015 22:45:00 GMT

@coldnmn wrote:
You could contact Cap1 through Facebook, solutions@capitalone.com or Email the CEO exective office link below. Explain your concerns and that you would like to have Cap1 as your go to card but find it impossible with your current credit limit. Only include phone number linked to the account. Facebook seems to get the fastest reply. Good Luck!

http://bit.ly/1g0P1zO

And if you get a good enough CLI on the CapOne you can close that CreditOne card.

Re: Capital one

CoCoB2 — Thu, 01 Jan 2015 22:58:14 GMT

Thanks so much. I will get on it. I noticed you have two quicksilver cards listed in your garden. If I am correct, How did you do that, did you just apply for more than one? Sorry if my questions seem silly, Im really new to this and Im trying to learn as much as possible.

Re: Capital one

Anonymous — Thu, 01 Jan 2015 23:03:55 GMT

@CoCoB2 wrote:
Thanks so much. I will get on it. I noticed you have two quicksilver cards listed in your garden. If I am correct, How did you do that, did you just apply for more than one? Sorry if my questions seem silly, Im really new to this and Im trying to learn as much as possible.

If this refers to me, One is a Visa which was PC from a Journey, One is a World Mastercard which was PC from a Platinum Prestige.

Re: Capital one

coldnmn — Thu, 01 Jan 2015 23:04:14 GMT

@CoCoB2 wrote:
Thanks so much. I will get on it. I noticed you have two quicksilver cards listed in your garden. If I am correct, How did you do that, did you just apply for more than one? Sorry if my questions seem silly, Im really new to this and Im trying to learn as much as possible.

You could probably go on chat and ask your platinum card to be product changed to Quicksilver. Your allowed more than one. Also be sure to press the CLI button and get denied before contacting EO as that's the first thing they will ask you to do.

Re: Capital one

TRC_WA — Thu, 01 Jan 2015 23:08:13 GMT

@CoCoB2 wrote:
Thanks so much. I will get on it. I noticed you have two quicksilver cards listed in your garden. If I am correct, How did you do that, did you just apply for more than one? Sorry if my questions seem silly, Im really new to this and Im trying to learn as much as possible.

If you are talking to me, my first card was a Plat... a couple months later I got the QS One. I then PCed the other so now I have 2.

Too bad they don't combine limits otherwise I'd have just 1.

Re: Capital one

CoCoB2 — Thu, 01 Jan 2015 23:27:55 GMT

Ok gotcha. Just wrote the CEO. Lets see what happens. Thanks again!

Re: Capital one

CoCoB2 — Thu, 01 Jan 2015 23:30:03 GMT

Ok THANKS!!

Re: Capital one

CoCoB2 — Fri, 02 Jan 2015 00:14:22 GMT

Just wanted to ley you know that I just went on the cap1 chat and requested the PC and it worked. thanks again.

Re: Capital one

coldnmn — Fri, 02 Jan 2015 00:16:33 GMT

@CoCoB2 wrote:
Just wanted to ley you know that I just went on the cap1 chat and requested the PC and it worked. thanks again.

That's great! Please let us know how your CLIs turn out. Thanks for sharing.

Re: Capital one

CoCoB2 — Sat, 17 Jan 2015 19:39:17 GMT

Hi everyone,
just checking in with some feedback. So about a week or so I recieved a call from a rep at the Cap1 EO following up on my email. The rep gathered some info from me and asked me the limit Id like to request. I told her a $500 increase on my older cap1 card, because I thought it was too soon to request and increase on my quicksilver that I got in October. She told me it may take up to ten business days for a response, but she will request that my cr be looked over again and CLI to both cards. About 6 days later I got an email that I was approved. When I signed on to my account I saw that they increase my limits on both cards to $500. Not a big increase but def a start. They have given such a hard time in the past so I am very happy. My scores were EQ-615,EX-648,and TU-652 at the time. Slowly movin on up! Thanks again for the advice!!!!!

Re: Capital one

happypill — Sat, 17 Jan 2015 22:11:49 GMT

Sweet, congrats on the CLI and the steady growth.

Re: Capital one Perhaps I am missing something????

TeeGee — Tue, 10 Mar 2015 04:40:55 GMT

I see no where in this thread where you can contact a person who is making decisons. What are all the happy faces about?

Re: Capital one Perhaps I am missing something????

FinStar — Tue, 10 Mar 2015 05:13:28 GMT

@TeeGee wrote:
I see no where in this thread where you can contact a person who is making decisons. What are all the happy faces about?

And you won't. That is the typical EO engagement process which would normally bypass the CSR contact methods. EO collects the information, engages their UW team for the manual review and then you get a call back. The happy faces are the result of success by the OP (or any individual) obtaining a positive outome on their Capital One card. Sorry that the birds chirping and happy rivers flowing sounds are turned off for this mildly older post.

@coldnmn wrote:
You could contact Cap1 through Facebook, solutions@capitalone.com or Email the CEO exective office link below. Explain your concerns and that you would like to have Cap1 as your go to card but find it impossible with your current credit limit. Only include phone number linked to the account. Facebook seems to get the fastest reply. Good Luck!

http://bit.ly/1g0P1zO