topic Re: Tried a Cap1 CLI................................................. in Credit Cards

Tried a Cap1 CLI.................................................

LS2982 — Sun, 23 Sep 2012 15:44:55 GMT

Denied.

Can't wait to see the reason! Better be something other than the we don;t take customer initiated CLI's.

Re: Tried a Cap1 CLI.................................................

jsucool76 — Sun, 23 Sep 2012 15:53:22 GMT

It is going to be....

"This Capital One account is not currently eligible for a credit line increase upon request. We're

reviewing our policy for increasing credit limits. While we do this, we won't be able to offer you more credit."

Re: Tried a Cap1 CLI.................................................

Anonymous — Sun, 23 Sep 2012 18:53:23 GMT

It's when reading posts like ths that I'm glad to stay away from them! Sorry to hear about that. You could always do what my one friend now does in retailation; just don't use it and let them waste money by sending you statements with no transactions! They even raised his apr with a zero balance, and called him to ask why he hasn't been using the card; still no go for an apr reduction or cli. Oh well, their loss...

Re: Tried a Cap1 CLI.................................................

jsucool76 — Sun, 23 Sep 2012 18:54:22 GMT

sent you a PM LS

Re: Tried a Cap1 CLI.................................................

RockinRay — Sun, 23 Sep 2012 19:02:55 GMT

@LS2982 wrote:
Denied.

Can't wait to see the reason! Better be something other than the we don;t take customer initiated CLI's.

Did you call them? How did you request?

Re: Tried a Cap1 CLI.................................................

Brian_Trying_700 — Sun, 23 Sep 2012 22:07:23 GMT

Same thing here. lol. Great rebuilder cards though. PIF and never late since opening 5 years ago.

@jsucool76 wrote:
It is going to be....

"This Capital One account is not currently eligible for a credit line increase upon request. We're
reviewing our policy for increasing credit limits. While we do this, we won't be able to offer you more credit."

Re: Tried a Cap1 CLI.................................................

jsucool76 — Sun, 23 Sep 2012 22:08:48 GMT

I'm just happy I got a decent starting limit with them...

-brags-

Re: Tried a Cap1 CLI.................................................

gettnthere — Sun, 23 Sep 2012 22:14:37 GMT

@jsucool76 wrote:
I'm just happy I got a decent starting limit with them...

-brags-

well dang, just brag about it then....lol j/k. i DID NOT receive such an awesome starting CL. I started with $300 and well over 3years later.....it still remains the same...... ohh and i have been denied at least 47 times for a CLI over the years

Re: Tried a Cap1 CLI.................................................

gettnthere — Sun, 23 Sep 2012 22:18:27 GMT

Dont know why that post went blank

Re: Tried a Cap1 CLI.................................................

jsucool76 — Sun, 23 Sep 2012 22:21:34 GMT

@gettnthere wrote:
Dont know why that post went blank

I was going to quote it and say "I agree" since it was just a blank post but you can't quote a blank post

I actually got concerned when I first applied because I thought I misread it and it said $300, and it was after I called my mom excited that I got my first card and I was like "well this is going to be embarassing if it is only $300

My mom was upset though, her response was "What!?!? they only gave me $500 when I applied for mine!"

Re: Tried a Cap1 CLI.................................................

gettnthere — Sun, 23 Sep 2012 22:55:49 GMT

@jsucool76 wrote:
@gettnthere wrote:
Dont know why that post went blank
I was going to quote it and say "I agree" since it was just a blank post but you can't quote a blank post

I actually got concerned when I first applied because I thought I misread it and it said $300, and it was after I called my mom excited that I got my first card and I was like "well this is going to be embarassing if it is only $300

My mom was upset though, her response was "What!?!? they only gave me $500 when I applied for mine!"

lol yea i didn't know if it showed up or not. i bet your mom couldnt belive they gave her younger son a 6x larger starting limit than her lol. you are one of very few i have heard of starting off with a limit lke that on their starter/rebuilder cards. it is an awesome CL to have with Cap1 though. im sure that in a couple of months they will CLI me to your limit

Re: Tried a Cap1 CLI.................................................

jsucool76 — Sun, 23 Sep 2012 23:29:59 GMT

@gettnthere wrote:
@jsucool76 wrote:
@gettnthere wrote:
Dont know why that post went blank
I was going to quote it and say "I agree" since it was just a blank post but you can't quote a blank post

I actually got concerned when I first applied because I thought I misread it and it said $300, and it was after I called my mom excited that I got my first card and I was like "well this is going to be embarassing if it is only $300

My mom was upset though, her response was "What!?!? they only gave me $500 when I applied for mine!"
lol yea i didn't know if it showed up or not. i bet your mom couldnt belive they gave her younger son a 6x larger starting limit than her lol. you are one of very few i have heard of starting off with a limit lke that on their starter/rebuilder cards. it is an awesome CL to have with Cap1 though. im sure that in a couple of months they will CLI me to your limit

Yeah! the best part is I don't even have a job, I'm in school like 7 hours a day, so I have no idea why they gave me that limit, but I'm not about to complain to them. They gave me a nice limit and have PCd me already so I'm about to change my facebook to reflect "In a relationship with: Capital One"

Re: Tried a Cap1 CLI.................................................

maiden_girl — Mon, 24 Sep 2012 01:35:28 GMT

LOL I always get the same excuse whenever I ask... "Your account is currently not eligible..." After asking for so many years...I decided to pay them off and cash in my rewards...Sorry capital one...they lost this customer to Discover.

Re: Tried a Cap1 CLI.................................................

Anonymous — Mon, 24 Sep 2012 03:20:32 GMT

@LS2982 wrote:
Denied.

Can't wait to see the reason! Better be something other than the we don;t take customer initiated CLI's.

They are useless in proving cli. I applied this month get denied too

Re: Tried a Cap1 CLI.................................................

maiden_girl — Mon, 24 Sep 2012 05:42:26 GMT

I applied within their network for their cashback rewards card...I only had 2 CCs at the time and was denied...reason..not enough revolving credit. I already had a card with them and it wasn't a secured card. LOL.

Re: Tried a Cap1 CLI.................................................

CS800 — Mon, 24 Sep 2012 13:55:14 GMT

@maiden_girl wrote:
LOL I always get the same excuse whenever I ask... "Your account is currently not eligible..." After asking for so many years...I decided to pay them off and cash in my rewards...Sorry capital one...they lost this customer to Discover.

+ 1 same for me.

My account in perfect standing is not eligible and hasnt been for the last 4 years. If they would just waive my AF, I would keep them. My APR is awesome with them; in the mid 9's %

Re: Tried a Cap1 CLI.................................................

youngandcreditwrthy — Mon, 24 Sep 2012 18:47:58 GMT

Eeekkk I have $1,300 with them, so I guess at least I don't have anything lower...still my lowest limit.. I even told them they're losing my business to Amex (my lovely Barclay's Trav Amex hehe) and they didn't seem to care. Capital One can s*** it. Haha I had another account w them for a year ..got 50$ in cashback and didn't pay a dime in interest and closed it since they never increased it.

Re: Tried a Cap1 CLI.................................................

maiden_girl — Mon, 24 Sep 2012 19:04:25 GMT

@CS800 wrote:
@maiden_girl wrote:
LOL I always get the same excuse whenever I ask... "Your account is currently not eligible..." After asking for so many years...I decided to pay them off and cash in my rewards...Sorry capital one...they lost this customer to Discover.
+ 1 same for me.

My account in perfect standing is not eligible and hasnt been for the last 4 years. If they would just waive my AF, I would keep them. My APR is awesome with them; in the mid 9's %

OMG ahaha my account too! I've had it for two years in good standing and nothing.My apr is 24.9%. I've never even paid APR on my account b/c it's ridiculously high! The only thing cap one does for me is lower my APR...it was 19.9% for a year. Not a big difference. I would axe that card if it has a AF. Not worth it.

Re: Tried a Cap1 CLI.................................................

CS800 — Mon, 24 Sep 2012 19:10:16 GMT

@maiden_girl wrote:
@CS800 wrote:
@maiden_girl wrote:
LOL I always get the same excuse whenever I ask... "Your account is currently not eligible..." After asking for so many years...I decided to pay them off and cash in my rewards...Sorry capital one...they lost this customer to Discover.
+ 1 same for me.

My account in perfect standing is not eligible and hasnt been for the last 4 years. If they would just waive my AF, I would keep them. My APR is awesome with them; in the mid 9's %

OMG ahaha my account too! I've had it for two years in good standing and nothing.My apr is 24.9%. I've never even paid APR on my account b/c it's ridiculously high! The only thing cap one does for me is lower my APR...it was 19.9% for a year. Not a big difference. I would axe that card if it has a AF. Not worth it.

I'm waiting to hear from the exec office for a possible PC. Its been two weeks. See what they can do for me.

Re: Tried a Cap1 CLI.................................................

shane82388 — Tue, 25 Sep 2012 18:58:06 GMT

If you really wanna stick it to them, in addition to not using the card, you should repeatedly make a new "customized image card" design and have them send u a new one as often as possible, haha.