topic Re: Capital One EO in Credit Cards

Capital One EO

Anonymous — Fri, 15 Jul 2016 13:50:16 GMT

Hi, I want to request a CLI but do it with the executive office. I'm currently sitting at around 2500 but wantit higher so I can use the card exclusively in lieu of debit. Does anyone have the contact info? Thanks in advance.

Re: Capital One EO

jacetx — Fri, 15 Jul 2016 13:53:45 GMT

Capital One EO no longer does CLIs.

Re: Capital One EO

yoyo — Fri, 15 Jul 2016 13:58:39 GMT

I've tried EO twice with an email I've found on Captial One EO website. They said no twice. This was around a year ago.
If you have a card that not at least 3-6 months old, you would probubly not get an increase.
They are pretty strict about the 6 month rule after each increase. If the card is new an at least 3 months old...you have a slight
chance of getting an increase before 6 months.

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 14:50:19 GMT

I think this card is two years old. I started out with $500, then $1500, then $2000, then $2500. I never requested a limit increase my self with the exception being in January where I got an additional $150 after doing the online button. I need something with 4k otherwise I'll probably apply for another card. Capone has been great however.

Re: Capital One EO

MrsCHX — Fri, 15 Jul 2016 15:03:28 GMT

So your last CLI was January? Ask for another increase.

I'm kind of glad EO isn't doing CLIs it seems like a waste of a resource. Either you qualify for a higher limit or you don't...

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 15:24:41 GMT

Yeah, but the human factor can override the automation. For example, if I explain that I want to use my card exclusively they will take that into consideration to give me a higher limit than they had in mind. By all means, check my history and soft pull.

Does anyone know what happens if I choose to decline a CLI that's too low when I hit the button online? Will that count towards the 6 months period of having to wait to do again?

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 15:49:34 GMT

@Anonymous wrote:
Yeah, but the human factor can override the automation. For example, if I explain that I want to use my card exclusively they will take that into consideration to give me a higher limit than they had in mind. By all means, check my history and soft pull.

Does anyone know what happens if I choose to decline a CLI that's too low when I hit the button online? Will that count towards the 6 months period of having to wait to do again?

No it doesn't count

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 16:19:06 GMT

This might help. I recently received a 3x increase from CapOne. Here is my log of events:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Cap-1-product-change-and-credit-limit-increase/m-p/4589538#M120189

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 16:36:45 GMT

Hmm. How did you request a manual review? Also, is the review requested after you try a CLI request?

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 16:44:09 GMT

I just called the number on the back of the card. I requested the CLI, when she said that there was no CLI offer I asked if there was a supervisor I could speak with. She transferred me there, they then submitted my CLI request to the underwriters. I told them (and it wasn't a lie) that I had a purchase that I plan on making that was more than the CL could hold (though I have yet to make that purchase).

I only did this after a CLI button request was denied.

EDIT: To clarify, I never reqested the EO nor did I reach out to them. I just called the number on the back of my card.

Re: Capital One EO

Anonymous — Fri, 15 Jul 2016 17:39:42 GMT

@Anonymous wrote:
Yeah, but the human factor can override the automation. For example, if I explain that I want to use my card exclusively they will take that into consideration to give me a higher limit than they had in mind. By all means, check my history and soft pull.

Does anyone know what happens if I choose to decline a CLI that's too low when I hit the button online? Will that count towards the 6 months period of having to wait to do again?

I know pizza used this method to try for a higher CLI. If this is your goal, then go for it. Best of luck!

Re: Capital One EO

RonM21 — Fri, 15 Jul 2016 22:23:46 GMT

It won't hurt the 6 months process, in my experience. IT's not until you accept the increase.

Re: Capital One EO

Anonymous — Sat, 16 Jul 2016 05:54:14 GMT

I hope you get what you are looking for OP!

Re: Capital One EO

Anonymous — Wed, 20 Jul 2016 22:27:13 GMT

Thanks. I did a CLI in the iPhone app and got another $1k.