topic Re: Cap1 CLI in Credit Cards

Cap1 CLI

Anonymous — Fri, 09 Nov 2007 01:05:19 GMT

I called cap1 at the back door number I have 2 cards with them. I asked for a CLI

Card A - Had since April of this year, credit limit went from 500.00 to 1000.00

Card B- Had since sept of this year, credit limit went from 300.00 to 600.00

Not alot but not bad since I am badcreditguy lol and not having the cards long!

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 01:11:18 GMT

congrats. You go!!! Badcreditguy- you might want to think about changing your name to something that reflects the growth you have shown by educating yourself.

just a thought.

Re: Cap1 CLI

SmartCookie — Fri, 09 Nov 2007 01:18:30 GMT

You doubled your CL!

Re: Cap1 CLI

orl2185 — Fri, 09 Nov 2007 01:23:23 GMT

Badcreditguy wrote:
I called cap1 at the back door number I have 2 cards with them. I asked for a CLI

Card A - Had since April of this year, credit limit went from 500.00 to 1000.00
Card B- Had since sept of this year, credit limit went from 300.00 to 600.00

Not alot but not bad since I am badcreditguy lol and not having the cards long!

BETTERCREDITGUY lol, congrats on the new clis... hard work really pays off.

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 01:37:06 GMT

all a person needs to do is follow the advice on this forum and you can improve your credit....I paid a credit repair company 2 yrs ago 500.00 for credit help, and I didnt see this much improvement with them.

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 01:54:06 GMT

Congratulations BCG

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 02:17:36 GMT

i have another question my card that went from 300 to 600 that ive had since sept. When I first got the card they said they would increase my limit from 300 to 500 after 3 on time payments...my questions is since im at 600 already do you think they will bump me to 800 under the credit steps program?

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 02:19:59 GMT

They bumped me from 500 to 1k when I refused to activate it. At the 3 mos mark they bumped it to 1500.00

Re: Cap1 CLI

SmartCookie — Fri, 09 Nov 2007 02:27:28 GMT

For DH it was $300, $500 a few months later as promised with the credit steps... then $2K automatic right before the 1st anni of the card. He never requested a CLI so I don't know how it would have changed the progression for the better or worse at the 1 year mark.

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 05:48:59 GMT

Super congrats "Good"creditguy. That's my new name for you. teehee

You have doubled your cl's on those 2 cards and that will lower your utils.

Keep them spotless clean. They will serve you well

Re: Cap1 CLI

dpr73 — Fri, 09 Nov 2007 05:55:17 GMT

What is this backdoor number. I have had Cap 1 card for 2 years and only have 500 limit. When i call them for CLI they come up with BS. Won't even give a interest rate reduction! They are ridiculous

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 05:59:16 GMT

There are probably several account specialists phone numbers, but this is the one I've been using:

800-889-9939

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 15:28:11 GMT

Badcreditguy wrote:
all a person needs to do is follow the advice on this forum and you can improve your credit....I paid a credit repair company 2 yrs ago 500.00 for credit help, and I didnt see this much improvement with them.

Great testimonial about how educating one's self and doing the legwork on your own works much better than paying someone to do what you can do yourself

Re: Cap1 CLI

Anonymous — Fri, 09 Nov 2007 22:04:53 GMT

I called regular number and they said no to my cli someting about conservitive lender blah blah blah but when i called the number listed on here they went ahead and gave me cli i think thats funny one number says no but the other says yes nad gives you a cli i guess that really is a back door number.

Re: Cap1 CLI

Anonymous — Sat, 10 Nov 2007 03:44:10 GMT

how long should I wait before asking for another cli?

Re: Cap1 CLI

Anonymous — Sat, 10 Nov 2007 17:55:23 GMT

I was told CLI wait 2 months ask for APR reduction then 2 months CLI (if it does not happen automatically)

@Anonymous wrote:
how long should I wait before asking for another cli?

Re: Cap1 CLI

Anonymous — Tue, 13 Nov 2007 02:41:27 GMT

Nice. $4000 CLI to $7000. Thanks to all

Re: Cap1 CLI

Anonymous — Wed, 14 Nov 2007 16:04:17 GMT

Just noting my experience with a Capital One Gold Card...

Called the main number and spoke to an "Account Specialist" and got the canned response (not eligible, monthly reviews etc...)...

Called the back door number and got a Senior Account Supervisor and got shot down as well, but - at least I got some information on why...

The card started as a $500 card, then raised to $1000. I've had the card for 6 years and according to the SAS - it has an upper limit of $2k (which I find strange since the website lists it at $300-$3000). She mentioned that when I got my first CLI, it changed the card over from a Gold card to a Platinum card.

As for me - scores are 660-683 (high 500's 8 months ago), 1 judgement listed, 2 Charge Offs in the past 2 years, but no lates on this particular card in 2 years.

She asked me to give the process another month or two to give them some time review the account one more time. She also told me to call in December and ask for the membership fee to be waived (which I plan on asking to be removed completely when I get that CLI).

So guess, I'll just go app for a better CAP one card and see about getting them combined in the future...

They won this battle...but the war still wages on...

Re: Cap1 CLI

Anonymous — Wed, 14 Nov 2007 16:42:49 GMT

Just another quick update...app'd for a C1 Platinum (the offering for "credit that needs improvement") and got shot down...

BUT!...

I qualified for a ...

(wait for it).....

....Prepaid Mastercard!!!! wooooOOOOoooOOoooo (sigh)

Went back to my bank's website (HSBC) app'd for a Platinum Rewards Plus card and got approved for a $2500 TL in under 5 minutes...What gives!!!

So credit cards I have now:

Cap 1 Platinum $1000, 6 years old
HSBC Discover Network Card $2500, 3 mos old
HSBC Platinum Rewards Plus Card $2500, 30 minutes old

Goal is to shoot for 10k right?

btw - with the help of this forum, I've spent the last 6 months cleaning up my debt picture...

$0 balances across my cards
Motorcycle's paid off a year early
$900 in student loans
All judgements and collections satisfied or in DV process

Cheers

Message Edited by Mochaboy on 11-14-2007 11:42 AM

Re: Cap1 CLI

CreditDrama85 — Wed, 14 Nov 2007 17:48:27 GMT

when i called the number and asked for a cli, i was asked questions like what other credit cards i carry and what the balances were

what is the point of this? then i was told to look for something in the mail, and the quicker i responded...the better. huh? what?

has this happened to anyone? my cl is still the same btw

Message Edited by CreditDrama85 on 11-14-2007 09:48 AM