topic Cap One CLI -- should we try? in Credit Cards

Cap One CLI -- should we try?

Anonymous — Mon, 22 Sep 2008 18:46:51 GMT

Due to an accounting error on my part, a payment to Cap One on DH's card was returned last week. WE IMMEDIATELY paid it with another banking account and all is well now.

It does still carry a balance, though -- that we will be taking care of ASAP.

Should we even bother to call and attempt a CLI? Our third statement hits early next month and other than this boner, we've paid on time (early, early, early) and had no other problems. Previously to this, we've also paid in full immediately.

Should we attempt it? Or wait until the auto hits (I assume) on the third statement? Should we pay it off prior to asking for a CLI?

Any and all suggestions MUCH appreciated, thanks!!

Re: Cap One CLI -- should we try?

Anonymous — Mon, 22 Sep 2008 20:59:39 GMT

Anyone? Please?

Re: Cap One CLI -- should we try?

Anonymous — Mon, 22 Sep 2008 22:25:56 GMT

Are you on credit steps? I wasn't in that program myself, so I can only go from what I've read other people post...but from what I gather if you have a late payment while you're on credit steps they give you another chance for another 3 months. I don't know if that's the same as if it's a returned check. I do know though that they don't do hard pulls and there's no harm in asking for one. I would still call the backdoor number after your third statement posts. The worst that can happen is they say no!

Re: Cap One CLI -- should we try?

Anonymous — Tue, 23 Sep 2008 03:10:27 GMT

Don't know (Cap1 is far too strange for me to fathom), but giving a bump for lovely Wonderin!

Re: Cap One CLI -- should we try?

akaniks — Tue, 23 Sep 2008 19:37:40 GMT

I have a CapOne CC that I opened at the beginning of the year. I accidently paid my card two days late a couple months ago. I immediately made a payment and then a week or so later I sent them an e-mail from my account. I said that I made a mistake and will not let it happen again. Within 48 hours I received an e-mail back that my account was credited the $39 late fee. I paid my card in full at about the same time so my account actually had a credit. A couple weeks after that I called and received a $500 CLI doubling my CL. I started at $300.