topic Re: Capital ONE Executive Office ?! Am I missing something ? in Credit Cards

Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 13:35:48 GMT

So, I emailed the EO yesterday via the CEO email address -- waiting on a reply, which I'm told ocmes via phone rather quickly. However I found a number online (702 area code) which I thought was the EO, and the people who answer are "Senior Account Managers" .. but they seem clueless!!! I asked about combining limits on my new cards, which I'm told is now avaialble (both reps said it is a new program) and will be avialable online very soon for self service !!! That's at least good news, as I want to combine my PLAT & QS limits to $1,000.00. I have not used either card yet, which both reps said the card you wish to combine needs to be $0 balance.

HOWEVER - when I mentioned a CLI, they said that is done online or via automated service only and they have never heard of a manual CLI, nor could they do one. I'm lost .... SO MANY people here have had success with the EO, but I'm wondering if I don't have the EO on the line, and just a higher level of customer care. When I called the # an op answers and I tell him "Executive Office" and he puts me through, so I really am lost on this!! Any info would be great .. please write here or PM me. Thank you :-)

Re: Capital ONE Executive Office ?! Am I missing something ?

alexl22 — Fri, 10 Jul 2015 13:43:10 GMT

I have read the EO number is dead due to MFer's calling about trivial matters like a cli on newly opened cards lol

Re: Capital ONE Executive Office ?! Am I missing something ?

PrimeRate — Fri, 10 Jul 2015 13:48:26 GMT

@alexl22 wrote:
I have read the EO number is dead due to MFer's calling about trivial matters like a cli on newly opened cards lol

Logged in just to +1 you.

Re: Capital ONE Executive Office ?! Am I missing something ?

kdm31091 — Fri, 10 Jul 2015 13:51:56 GMT

First of all the email response takes days if not a week. It will not be that quick.

Please stop trying to pester them. I know you want a CLI but be patient. You really dont need EO for CLI or account combinations.

Im not trying to lecture you but we all need to drop this habit, or the email will no longer work either! A CLI takes time and patience, not an EO.

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 13:53:48 GMT

Then how exactly are accounts combined? Enlighten me. People like you really need a hobby. Something other than lecturing people with legitimate questions .. If you don't agree with my methods don't comment and don't read. Simple as that. Absolutely ridiculous.

Re: Capital ONE Executive Office ?! Am I missing something ?

CreditCuriosity — Fri, 10 Jul 2015 14:06:34 GMT

@Anonymous wrote:
Then how exactly are accounts combined? Enlighten me. People like you really need a hobby. Something other than lecturing people with legitimate questions .. If you don't agree with my methods don't comment and don't read. Simple as that. Absolutely ridiculous.

Combining limits will be back on their website under the Services Tab (next to request CLI) in a week or two.. There were bugs with the initial release, so they pulled it temporarily . Hope this helps,

Everyone has used the EO route once or twice who has been around this forums, so lecturing from people that have done it as well doesn't really help. Just moving forward, we have all learned not to call the EO for CLIs, but email them and wait for them to call you back then pleade your case then if it is really a valid case and your scores and income and other TL's can support said CLI request.. The # was made public and thus killed off due to not waiting in line etc.. Hope this help you out as well.

Edit: Just another note, don't think KDM meant persay to jump down your throat, although he isn't known to sugar coat things either with his approaches.. This questions is just brought up many times a day and a simple search would of answered your question w/regards to contacting the EO and the method used to do so

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 14:03:01 GMT

you have two brand new accounts with not so great credit. They will not combine the accounts nor will they give you a CLI right away. they don't do that for anybody. Use the cards, wait a while, then start requesting CLI's via the webpage. After 6 months, you can now request to have the accounts merged into one. It's a very simple new process that is being rolled out on their website.
Right now, the EO won't do anything for you.
One of the big things people will preach on here as tha main key to growing your credit....be patient!

Good luck.

Re: Capital ONE Executive Office ?! Am I missing something ?

PrimeRate — Fri, 10 Jul 2015 14:07:14 GMT

@Anonymous wrote:
Then how exactly are accounts combined? Enlighten me. People like you really need a hobby. Something other than lecturing people with legitimate questions .. If you don't agree with my methods don't comment and don't read. Simple as that. Absolutely ridiculous.

You were told in your other thread that the option to combine will appear on your online account 6 months into the account being established. KDM is not lecturing you. He is actually giving you sound advice and if followed you will have the option to reach out to the EO in a situation which actually calls for it. Bothering EO with tedious CSR activity will eventually lead to that option vanishing.

You came for advice and got it, don't be rude to the knowledgable users here because you can't make sense of sense. "Simple as that."

Re: Capital ONE Executive Office ?! Am I missing something ?

kdm31091 — Fri, 10 Jul 2015 14:06:30 GMT

All im saying is why do you think the number was shut down? Because people called them for every request that they didnt feel like dealing with otherwise. A CLI can be accomplished without EO.

As far as account combination that has nothing to do with EO either, in fact its a simple online feature. It is down at the moment but will be back. There is no need to email the EO over it because they im quite sure are aware the feature is broken.

Both of your issues will be solved with time and patience without the EO. But in any case they take awhile to respond to emails. Im just trying to educate you a bit. This forum has a very knee jerk call the EO habit that we need to stop before all contacts are cut off completely. Not just capital one but any issuer. Start at the lowest level csr and ask for management if your issue isnt helped. Starting at the top for a basic request is a waste of their time and yours and can hurt things for everyone down the line.

Note im guilty of it too, but ive stopped. We just need to adjust our habits and expectations. Expecting clis on brand new cards isnt always realistic no matter who you call.

Good luck

Re: Capital ONE Executive Office ?! Am I missing something ?

kdm31091 — Fri, 10 Jul 2015 14:10:37 GMT

Sorry on mobile and cant edit but truly OP you need to just be patient with your credit journey. Large limits dont happen overnight. EO or not.

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 14:12:59 GMT

@Anonymous wrote:
Then how exactly are accounts combined? Enlighten me. People like you really need a hobby. Something other than lecturing people with legitimate questions .. If you don't agree with my methods don't comment and don't read. Simple as that. Absolutely ridiculous.

He's 100% right. People have abused calling the Capital One Executive office for less than pressing reasons. That's why they shut down access to the number. If people do it here to the email address, they'll do the same. Also, had you done a little research here by reading the numerous threads on combining limits, you would have known that you can't combine new accounts and would have had no need to call them about the issue.

Re: Capital ONE Executive Office ?! Am I missing something ?

kdm31091 — Fri, 10 Jul 2015 14:20:55 GMT

Um actually the accounts do need to be 6 months old before combining.

Listen, you were literally just approved for two 500 dollar cards. Which tends to mean they are giving you a chance with a bare minimum line to see how you do a CLI probably just isnt in the cards right now.

You have a lot to learn about how credit works IMO. You dont just call an EO demand what you want and its handed to you. Time, patience and history are what you need. Period.

You also need to learn to stop being rude to people who are trying to help you. Combining limits has been discussed for days in other threads. I suspect youre mad we arent giving you the answer you want.

Good luck. I hope you do learn that credit is a journey and your expectations are far too high at the moment.

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 14:28:31 GMT

+1 Don't take it personal, this forum and members are here to help each other out. The calls to EO need to stop before the email gets taken away. FYI - If you hit the luv button and dont get a CLI, please dont start calling or emailing, that just means your account is not old enough or eligible yet for an increase. Look at this way, if it was your bank, would you just start giving away money by issuing CLIs everytime someone hits the luv button? Would you be upset if you get over 1000 calls a day to your EO staff on issues that CSRs can resovle? Most likely not and that is the point we are trying to make.

Breath, i know no one is happy after a denial but it is what it is. Use your cards responsibly, let them age and try again.

Take care and good luck

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 14:32:38 GMT

C00, thank you very much for your kind words. I will take that advice and just wait :-)

Re: Capital ONE Executive Office ?! Am I missing something ?

Broke_Triathlete — Fri, 10 Jul 2015 15:10:20 GMT

Joey,

Try to think of credit building as a marathon and not a sprint! It's been a long two years for me and I still only have mediocre scores, but it's a lot better than the 379 I started from. From what I've learned here Capital One is one of the easier companies to get a CLI with. Some companies (as I've read) like Discover and Citi are rather difficult to get one at all. So rest assured that your lines will grow if you take care of them.

Are you enrolled in credit steps? That is something a front line CSR can take care of for you.

KDM is spot on too, he's trying to help.

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 15:32:12 GMT

Alot of sound and good advice given here by some people that have traveled the same road you are going down. I do not think anyone is trying to be rude to you they are only trying to share there experiences. I would agree no two trips are alike but warning others of obvious pitfalls and taking notice is important on your trip. There is not a magic wand to success---only discipline, knowledge and a heck of alot of sweat.

Good luck on your personal journey and please keep us all updated so we can cheer you on.

Re: Capital ONE Executive Office ?! Am I missing something ?

myjourney — Fri, 10 Jul 2015 16:27:03 GMT

I have my own view of why the EO number was shut down

A) We always told everyone to email first and wait for the call

B) The forum kind of policed itself about not giving the info to those that we thought had no chance of success and shared with them how to set themselves up before contacting the EO so that odds of success were increased greater

C) The number was good for CLI's and AF's waived only

What happened was and this is just IMHO

When the number was published the flood gates opened and I saw this myself and I wasn't even answering EO phones....OMG Geez

1) I was approved for a card yesterday can I get a CLI?

2) I have late payments on my CR's can you remove?

3) I heard I can combine limits will you combine mine?

4) I have a CO will you do a PFD?

5) I was denied call the EO

These last 5 were never part of what we used the EO number for but somehow this is what it turned into......thus now we've lost a very valuable tool and its sad...really it is

Because now the people that could have benefited from this open door are now locked out .....

The EO always was willing to help with CLI's and AF's and they would always say contact us again in 6 months and will submit again

OP I'll tell you like I have told thousands before ...use the card build history get your credit steps CLI and just maybe by then will have a new avenue to the EO for CLI's but somehow I doubt will ever see that door opened the same..........We probably cost them mega manhours and $$$$$$$$$ for things non related to what they were trying to do.....

Re: Capital ONE Executive Office ?! Am I missing something ?

yfan — Fri, 10 Jul 2015 16:33:09 GMT

@Anonymous wrote:
Then how exactly are accounts combined? Enlighten me.

With a "Combine accounts" link in your online account page. The link went down, and they presumably fixing it, but the combining is NOT done through EO. It's done online with a few clicks.

@Anonymous wrote:
If you don't agree with my methods don't comment and don't read. Simple as that. Absolutely ridiculous.

No, no. That's now how it works. What's "absolutely ridiculous" is posting on a public forum and expecting only agreeable reaction and telling other members of the forum to not read. The way it really works is that you don't have to post if you can't stand the criticism of your methods.

Re: Capital ONE Executive Office ?! Am I missing something ?

Anonymous — Fri, 10 Jul 2015 16:37:36 GMT

Can anyone imagine working in the EO office and getting these calls day after day. Ridiculous.

Re: Capital ONE Executive Office ?! Am I missing something ?

kdm31091 — Fri, 10 Jul 2015 16:38:27 GMT

Many on here have a bad impression of what the EO is. We are all somewhat to blame as many of us push the concept that if youre unhappy with a card even one you just recieved you call the EO and they'll fix it.

Sure sometimes it could have been warranted, but majority of cases were people newish to credit who wanted everything handed to them via EO and thats not why they exist. Using them for basic inquiries is a serious problem and we need to be mindful of the email as well and still not overuse it.

If you are unhappy with a credit limit give it some time and patience then try again. Remember, thousands of cardholders do exactly that and get CLI without ever hearing of an EO.

The other part of this is that every single call and contact is recorded and you dont want to develop a reputation as a PITA customer when they have many many many non PITA customers.