topic Cap1 EO CLI in Credit Cards

Cap1 EO CLI

Anonymous — Thu, 06 Aug 2015 22:20:54 GMT

Got a callback just now from cap1. Calling back in a few to ask for th cli. What cli should I ask for? I have 4 cards between 1-2k and the two capone I'm calling about are 850 and 2k. Income is around 52, scores in siggy, though if they go off a pull that isn't live, they're going to get something in the midlow 600's. Realistically I'd like a 5k limit on both. Too much? Current scores represent 6% util.

Re: Cap1 EO CLI

kdm31091 — Thu, 06 Aug 2015 22:23:52 GMT

@Anonymous wrote:
Got a callback just now from cap1. Calling back in a few to ask for th cli. What cli should I ask for? I have 4 cards between 1-2k and the two capone I'm calling about are 850 and 2k. Income is around 52, scores in siggy, though if they go off a pull that isn't live, they're going to get something in the midlow 600's. Realistically I'd like a 5k limit on both. Too much? Current scores represent 6% util.

How long have you had the cards?

Re: Cap1 EO CLI

SunriseEarth — Thu, 06 Aug 2015 22:25:52 GMT

@Anonymous wrote:
Got a callback just now from cap1. Calling back in a few to ask for th cli. What cli should I ask for? I have 4 cards between 1-2k and the two capone I'm calling about are 850 and 2k. Income is around 52, scores in siggy, though if they go off a pull that isn't live, they're going to get something in the midlow 600's. Realistically I'd like a 5k limit on both. Too much? Current scores represent 6% util.

Ask for what you want and agree to accept a counteroffer. You might not get the amount you want, but at least you'll be closer to your goal.

Re: Cap1 EO CLI

Anonymous — Thu, 06 Aug 2015 22:32:03 GMT

One for just over 2 years, one since October. But the October one has the 2 grand.

Re: Cap1 EO CLI

kdm31091 — Thu, 06 Aug 2015 22:34:23 GMT

As Sunrise said, ask for what you feel you want/deserve because can they can and will counteroffer. Good luck.

Re: Cap1 EO CLI

Anonymous — Thu, 06 Aug 2015 22:36:41 GMT

Realistically a 5K limit is hard to get with low 600s. But it can't hurt to reach for the sky. 🙋

Re: Cap1 EO CLI

Anonymous — Thu, 06 Aug 2015 22:43:07 GMT

@Anonymous wrote:
Realistically a 5K limit is hard to get with low 600s. But it can't hurt to reach for the sky. 🙋

Unfortunately currently their at high 600's in real time. If they do a soft pull today it'll go by those I'd assume, but I think they'll go by the soft pull for credit tracker on their site which was on July 15th (this months pull being a few days away) wondering if it would've been smarter to wait. But since I've got a hold of the EO. Whatever.

Re: Cap1 EO CLI

kdm31091 — Thu, 06 Aug 2015 22:47:50 GMT

@Anonymous wrote:
@Anonymous wrote:
Realistically a 5K limit is hard to get with low 600s. But it can't hurt to reach for the sky. 🙋
Unfortunately currently their at high 600's in real time. If they do a soft pull today it'll go by those I'd assume, but I think they'll go by the soft pull for credit tracker on their site which was on July 15th (this months pull being a few days away) wondering if it would've been smarter to wait. But since I've got a hold of the EO. Whatever.

Usually if you're asking yourself that question, the answer is yes. You can always contact the EO again later via email, or just request a CLI in a few months with the website. You don't have to have them reviewed by EO.

Re: Cap1 EO CLI

Anonymous — Fri, 07 Aug 2015 00:17:26 GMT

Well we'll see I suppose. Not that I didn't heed all of your advise(because I promise I did and I appreciate it). I called back and asked for 5k each. I do churn a lot of money through the cards. Like alot. So hopefully that has some play. If the cards end up a total of 6-7 to be honest though, I'd be excited.

If they give me a piddly increase based on score, I'll try the EO almost immediately after(since it would likely be the 15th by then). By piddly I mean the new limits being under 4.5 total.

I do love Cap1 very much. The payments post quick and rewards are easy to redeem. I just wish I knew that if I accept a small cli I was ineligible for another for 6 months (took a $100 cli on the 850 card just under 6 mths ago) beforehand. Other than that no complaints. The girl I talked to was pretty cool.

Re: Cap1 EO CLI

Anonymous — Fri, 07 Aug 2015 21:09:21 GMT

Really quick turn around. Not the increase I wanted(or expected) total lines bumped to 2k to 2500 and 850 to 1500. Not ideal....but definitely could have been worse... I can cope, I suppose.