topic Re: What is your highest CL with Cap1? in Credit Cards

What is your highest CL with Cap1?

pt2005 — Fri, 14 Dec 2012 19:26:20 GMT

Well, I am not sure if this question was asked before but if it was then I guess we can all refresh our data after all the calls/emails to EO to learn more about where we are as far as CL with Cap1 goes.

I think there are 3 questions:

1) How long do you have your account(s)?

2) How many auto CLIs you have?

3) What is your highest CL, and which card?

For me:

1) 13 years

2) Once after emailing EO (after 12 years stuck at $500)

3) $3000 (Cash Visa)

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 19:05:12 GMT

My results will probably be different from most people, because when I apped for my first Cap1 (besides my Kohl's card), I had a 761 credit score, so I got a high initial CL. I apped for the Cash Rewards card primarily because I wanted a no AF card with no FTF.

1) 2 months (unless my Kohl's Card counts, which I've had for about 2 years and has a $1k CL)

2) None

3) $7,500 (Cash Visa Signature)

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 19:08:11 GMT

I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard

$30,000 limit

Open 4.5 years

no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.

Re: What is your highest CL with Cap1?

Cdnewmanpac — Fri, 14 Dec 2012 19:43:40 GMT

1. 11months

2. Credit step increase at 5 months, 750 to 1250

3. Technically a no hassle rewards card, but with the cash reward structure 1%+.5% annual bonus) and no AF, 5000 limit

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 19:51:22 GMT

$3,000, have had for 7 years, one increase

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 20:05:04 GMT

I have two Capital One cards, one from 1999 has a $15K limit, the other from 2004 has a $30K limit. These limits haven't changed since I got them (although I haven't asked). These are both Capital One Platinum (not signature), just last month I got the EO to improve the rewards (to 1% + .5 bonus from 1.25%) on the second card. No rewards on first.

Re: What is your highest CL with Cap1?

p- — Fri, 14 Dec 2012 20:11:02 GMT

@pt2005 wrote:
Well, I am not sure if this question was asked before but if it was then I guess we can all refresh our data after all the calls/emails to EO to learn more about where we are as far as CL with Cap1 goes.

1) How long do you have your account(s)?

I got my Platinum Rewards card in June 2011, so it is 1.5 yrs old. It started at 3k as a rebuilder.

2) How many auto CLIs you have?

One auto increase of 500 after six months, as promised in the rebuilder program. All subsequent CLI requests were denied.

3) What is your highest CL, and which card?

I used the exec method in Nov 2012 to product change to No Hassle Green Rewards and increase to 10k with a soft pull.

Re: What is your highest CL with Cap1?

distantarray — Fri, 14 Dec 2012 20:11:21 GMT

@Anonymous wrote:
I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard
$30,000 limit
Open 4.5 years
no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.

maybe an extra 0 was added to your income by accident? =p

Re: What is your highest CL with Cap1?

jsucool76 — Fri, 14 Dec 2012 20:37:55 GMT

Started at 3k with a plat MC, they pc'd me to cash rewards after 2 weeks. Just got my credit steps cli today from 3k to 3.5k.

Re: What is your highest CL with Cap1?

maiden_girl — Fri, 14 Dec 2012 20:46:04 GMT

Questions:

1) How long do you have your account(s)?

2) How many auto CLIs you have?

3) What is your highest CL, and which card?

Answers:

1) Two years

2) One auto increase from $500 to $750 within the first 3 months of opening my account up.

3) $1,500 CL after contacting the Exe Office. I have the MTV Rewards VISA.

Re: What is your highest CL with Cap1?

maiden_girl — Fri, 14 Dec 2012 20:47:50 GMT

@distantarray wrote:
@Anonymous wrote:
I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard
$30,000 limit
Open 4.5 years
no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.
maybe an extra 0 was added to your income by accident? =p

^LOL.

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 20:57:29 GMT

@maiden_girl wrote:
@distantarray wrote:
@Anonymous wrote:
I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard
$30,000 limit
Open 4.5 years
no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.
maybe an extra 0 was added to your income by accident? =p
^LOL.

Must have! Either way we are not arousing their suspicion by asking for a PC or CLI :-). I was surprised when we ran the balance to 23K ,and it hovered there for a year, and no action was taken by Cap1.

Re: What is your highest CL with Cap1?

maiden_girl — Fri, 14 Dec 2012 20:58:58 GMT

@Anonymous wrote:
@maiden_girl wrote:
@distantarray wrote:
@Anonymous wrote:
I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard
$30,000 limit
Open 4.5 years
no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.
maybe an extra 0 was added to your income by accident? =p
^LOL.
Must have! Either way we are not arousing their suspicion by asking for a PC or CLI :-). I was surprised when we ran the balance to 23K ,and it hovered there for a year, and no action was taken by Cap1.

Smart idea! Wow! I never heard of CAP1...the most subprime lender ever giving THAT much! Woah! Yea I wouldn't call in. It helps with the UTL I bet! hahaa.

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 21:11:06 GMT

@distantarray wrote:
@Anonymous wrote:
I have a unique one, well my wife actually does.

Cap 1 Platinum Mastercard
$30,000 limit
Open 4.5 years
no increases

She had a 798 score and $16k income at the time. We have no clue and will not question it, since it is by far the largest TL either of us have.
maybe an extra 0 was added to your income by accident? =p

Ok, your comment peaked my curiosity.

My wife hoards all "legal" documents, including a copy of her paper application that she sent to Captial One. I went and dug the file out of the box and I kid you not, the income was left blank. Based on that, I have no clue what they entered for income. The next thing in the file is the user agreement from when she recieved the card, and she says she has never talked to Cap1 on the phone. Her credit file at the time only had a Target and Belk cards each around $700 and an AU on her moms cards that were at $5k and $10K.

I may have to try leaving income blank next time I apply for something in 5 years.

Re: What is your highest CL with Cap1?

Anonymous — Fri, 14 Dec 2012 21:15:52 GMT

pt2005 wrote:

I think there are 3 questions:

1) How long do you have your account(s)?

2) How many auto CLIs you have?

3) What is your highest CL, and which card?

For me:
1) 26 months
2) One auto from 500 to 750$ and second after calling EO to 5k(before calling EO i tried like 5x never got it)
3)5000, It was a platinum MC it has just been upgraded to the cash rewards version without annual fee and OTL fee and i have World MC benefits now...

Re: What is your highest CL with Cap1?

aussiesareforever — Fri, 14 Dec 2012 21:35:45 GMT

@Anonymous wrote:
@pt2005 wrote:
I think there are 3 questions:
1) How long do you have your account(s)?
2) How many auto CLIs you have?
3) What is your highest CL, and which card?

1. I've had my account since 2008- almost 5 years

2. I got two credit line increases as part of the credit step program. $300 to $500 to $2500. It had been stuck at $2500 since 2009.

3. I recently got an executive office increase to $6000

Re: What is your highest CL with Cap1?

sccredit — Fri, 14 Dec 2012 23:03:00 GMT

I think there are 3 questions:

1) How long do you have your account(s)? Started with Cap1 in 2004, this card was opened in Jan 2011 with a $750 limit

2) How many auto CLIs you have? None, had to get EO to intervene

3) What is your highest CL, and which card? Business Platinum card went to Spark Miles at $10,000. Other 2 Cap One cards I cancelled

Re: What is your highest CL with Cap1?

pt2005 — Fri, 14 Dec 2012 23:07:48 GMT

@sccredit wrote:
I think there are 3 questions:
1) How long do you have your account(s)? Started with Cap1 in 2004, this card was opened in Jan 2011 with a $750 limit
2) How many auto CLIs you have? None, had to get EO to intervene
3) What is your highest CL, and which card? Business Platinum card went to Spark Miles at $10,000. Other 2 Cap One cards I cancelled

@sccredit: May I ask how long you've had your Spark? Initial CL? I have one with $2000 for about 3 months now. I want to ask for CLI but not sure if it's the time yet. Thanks

Re: What is your highest CL with Cap1?

L-TWT — Fri, 14 Dec 2012 23:22:49 GMT

@pt2005 wrote:
Well, I am not sure if this question was asked before but if it was then I guess we can all refresh our data after all the calls/emails to EO to learn more about where we are as far as CL with Cap1 goes.

I think there are 3 questions:
1) How long do you have your account(s)?
2) How many auto CLIs you have?
3) What is your highest CL, and which card?

For me:
1) 13 years
2) Once after emailing EO (after 12 years stuck at $500)
3) $3000 (Cash Visa)

1. Acct. opened for almost 1 month

2. None, yet

3. 10K opening CL, Cash Rewards Visa Sig