topic Re: Got Some Love From Cap 1 in Credit Cards

Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 20:13:19 GMT

Hey Guys,

I called CAP 1 today to find out when my introductory 0% APR would be ending. I typically carry a balance on that card because of the 0% APR and I dont want to miss time my payment and get hit with a finace charge. I also asked would there be a pull of my credit report if I asked for a CLI. He said no and that all CLI are based on my payment & usage history, market conditions and business climate (blah blah blah). I tild him that I would like to aply for an increase. He asked what would I be using the increase for. I said a refriderator 9which is only a 1/2 untruth). After a few minutes he can back and advised me that I was approved for another 500 bucks. I know its not much. But it sure feels good to get approved.

WBLAKE

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 20:37:06 GMT

Wow!! What is happening at Cap1? I decided to call also because I received a 1.99% balance transfer offer, but I have a low limit. The rep asked what could he do for me. I told him I wanted to ask for a credit line increase so I can take extra advantage of my 1.99%. He asked me did how much more would I like. I said I need atleast $2,500.00. He said he could increase my limit by $5,000!! It will be available in 3 days he told me.

People you had better call while the giving is good!! 1-877-513-9959

SandyK

Message Edited by sankofa on 10-19-2007 01:37 PM

Re: Got Some Love From Cap 1

ficonovice — Fri, 19 Oct 2007 20:34:06 GMT

That phone number goes to "Joe and Heather" and I left a message asking for money, but they denied me!! DOH!

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 20:40:16 GMT

ficonovice wrote:
That phone number goes to "Joe and Heather" and I left a message asking for money, but they denied me!! DOH!

Ooops! Sorry was watching Oprah when I typed the phone number!!!

Correct number is 1-877-513-9959.

Sorry you got denied.

SandyK

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 20:49:17 GMT

sankofa wrote:

ficonovice wrote:
That phone number goes to "Joe and Heather" and I left a message asking for money, but they denied me!! DOH!

         Ooops! Sorry was watching Oprah when I typed the phone number!!!
         Correct number is 1-877-513-9959.

         Sorry you got denied.

         SandyK

I called and no love from Cap1 on the CLI, however they *did* lower my interest rate from 15.9% to 12.9%.

Better than nothing I guess. I hope she didn't hard inq me...

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 21:11:42 GMT

MeganML84 wrote:

I called and no love from Cap1 on the CLI, however they *did* lower my interest rate from 15.9% to 12.9%.

Better than nothing I guess. I hope she didn't hard inq me...

15.9% to 12.9% isn't bad at all. Congrats!

I asked the CR who took care of me if he was doing a soft or hard inquiry

and he stated he wasn't doing a new application. So there shouldn't be any

inquiries in your case either.

SandyK

Message Edited by sankofa on 10-19-2007 02:11 PM

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 21:23:42 GMT

sankofa wrote:

Wow!! What is happening at Cap1? I decided to call also because I received a 1.99% balance transfer offer, but I have a low limit. The rep asked what could he do for me. I told him I wanted to ask for a credit line increase so I can take extra advantage of my 1.99%. He asked me did how much more would I like. I said I need atleast $2,500.00. He said he could increase my limit by $5,000!! It will be available in 3 days he told me.

People you had better call while the giving is good!! 1-877-513-9959

SandyK

Message Edited by sankofa on 10-19-2007 01:37 PM

Hey how'd you get that increase!!! Lol!! How long have you had your card? I'll admit I just got number 4 since opening in Jan but they have all been piddly, this latest only 300.00 the lowest of all. I want 5k too!!!!!

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 21:30:10 GMT

Brammy wrote:

sankofa wrote:
Wow!! What is happening at Cap1? I decided to call also because I received a 1.99% balance transfer offer, but I have a low limit. The rep asked what could he do for me. I told him I wanted to ask for a credit line increase so I can take extra advantage of my 1.99%. He asked me did how much more would I like. I said I need atleast $2,500.00. He said he could increase my limit by $5,000!! It will be available in 3 days he told me.

People you had better call while the giving is good!! 1-877-513-9959

SandyK

Message Edited by sankofa on 10-19-2007 01:37 PM

Hey how'd you get that increase!!! Lol!! How long have you had your card? I'll admit I just got number 4 since opening in Jan but they have all been piddly, this latest only 300.00 the lowest of all. I want 5k too!!!!!

Hi Brammy!

I just called and asked for it!! I really didn't think I would get that

much. I read on another forum where this lady asked for an increase

and she received that much too. Now I must do a couple of balance

transfers because I told the CR that I needed an increase to do more

1.99% transfers LOL!!

I have been with Cap1 since 1990. I started out with the $500.00 limit.

SandyK

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 21:34:20 GMT

sankofa wrote:

                   Hi Brammy!

                   I just called and asked for it!! I really didn't think I would get that

                  much. I read on another forum where this lady asked for an increase

                  and she received that much too. Now I must do a couple of balance

                  transfers because I told the CR that I needed an increase to do more

                  1.99% transfers LOL!!

                   I have been with Cap1 since 1990. I started out with the $500.00 limit.

                  SandyK

Yikes!!! 17yrs!!!?? He shoulda made it 25k

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 22:24:44 GMT

Brammy wrote:

Yikes!!! 17yrs!!!?? He shoulda made it 25k

LOL ain't that the truth!! But he did right, I wouldn't

want that high of a credit limit with Cap1.

SandyK

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 22:32:28 GMT

Wow. I never said and vowed I would never have Crap 1. Maybe cuz their scores were horrible according to JB Powers or whatever that co is they are trying to be nice

Or maybe who knows? Good luck to everyone. I am so glad for anyone when they have good news on this board.

Yah! Clap Hands! I am doing a handstand for U! (yeah I wish- that was like 12 years ago I could do that!!)

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 22:58:36 GMT

WTG Wblake!

I remember the feeling of them giving me a CL. It sure does feel good!! Even if it's $500 bucks!

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 23:12:34 GMT

WBlake!

I am very happy for you as well. If I have taken over your post, I apologize.

A $500.00 increase with Cap1 is great. You can see how many years it took me to even get an increase on this Visa Account, 17 years!! You probably did it in less years as a cardholder. WTG. Every achievement with Capital One is worth posting!!

SandyK

Re: Got Some Love From Cap 1

Anonymous — Fri, 19 Oct 2007 23:51:31 GMT

Congrats WBlake! WTG!

I too received the $500 cli in early October, on each of my 2 Cap1 cards. In addition I was told to call them in Nov. to ask for rate decrease. Yipeeeee!

One was 7, the other 6 y.o.

Re: Got Some Love From Cap 1

Anonymous — Sat, 27 Oct 2007 22:21:21 GMT

I know this post started almowt 2 weeks ago but I figured might as well try. I too received an extra $500 and I too was told to call back next month to get my APR decreased. They said you can do one or the other (CLI or APR lowered). I chose CLI because I PIF every month.

Here's the thing I have only had the card for 4 months and this was my second increase.

I think they (Cap 1) feel bad about not reporting the CL's for sooo long that they are trying to do nice things and get their name back to Cap 1 and not Crap 1!

Re: Got Some Love From Cap 1

Anonymous — Mon, 29 Oct 2007 01:41:29 GMT

jaybee, that was exactly the same offer they made to me. Either cli or rate decrease, but not both at the same time.

WTG! Congrats.

Re: Got Some Love From Cap 1

Anonymous — Mon, 29 Oct 2007 01:46:05 GMT

IMO if you have ever been late with Crap1 they will NOT give you a CLI.

This is strictly from my own personal experience.

No CLI, ONE late payment from over 3 years ago. Will not give me any GW. Screw them. I'll be using my new AmEx for all my CC purchases

Sorry to rant. No love for Crap1.

Re: Got Some Love From Cap 1

Anonymous — Mon, 29 Oct 2007 02:11:49 GMT

I had a 60 lees than a year old when Cap one quadrupled my CL.

@Anonymous wrote:
IMO if you have ever been late with Crap1 they will NOT give you a CLI.
This is strictly from my own personal experience.
No CLI, ONE late payment from over 3 years ago. Will not give me any GW. Screw them. I'll be using my new AmEx for all my CC purchases
Sorry to rant. No love for Crap1.

Re: Got Some Love From Cap 1

ksiss — Mon, 29 Oct 2007 02:15:28 GMT

Hmm, I wonder if I should take a stab at increasing my CL with them? My first card is a crap 1 card that has a 1500 CL right now. By far the lowest of my cards, but I keep it just for it's age (which is only a little over a year).

Re: Got Some Love From Cap 1

Anonymous — Mon, 29 Oct 2007 02:21:38 GMT

cap 1 bought some big bank North something and are trying to be legit and not subprime. giving good car loans and stuff too.

go red sox!!!!!

Message Edited by casinoannie97 on 10-28-2007 07:21 PM