topic Re: Contacted Capital One EO.....still waiting. in Credit Cards

Contacted Capital One EO.....still waiting.

Fresh-Start — Wed, 06 Feb 2013 13:23:51 GMT

Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?

Re: Contacted Capital One EO.....still waiting.

Anonymous — Wed, 06 Feb 2013 14:02:11 GMT

@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?

I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.

Re: Contacted Capital One EO.....still waiting.

Anonymous — Wed, 06 Feb 2013 15:10:29 GMT

Did they give you an exact day when they will call you back? I spoke with the EO last Wednesday and they told me they would submit my file for review and get back to me on Tuesday (yesterday). I was traveling yesterday so I decided to try them first on Monday. I spoke to the rep and they already had my decision (an approval for CLI) but she didn't have a chance to call me back with it yet. So just give them a call and they should be able to tell you if it's still pending or if they have an answer for you. Good luck!

Re: Contacted Capital One EO.....still waiting.

Fresh-Start — Wed, 06 Feb 2013 16:18:56 GMT

@Anonymous wrote:
@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?
I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.

So you and I are in the same boat...waiting! LOL! My credit profile is a bit similiar to yours. I've been with them two years, never late on any accounts and no baddies.
I've been checking everyday as well hoping for a nice surprise, but so far no news. The person I spoke to said a few day, but you are right, I searched the forum and it seemed like most were getting CLI within 1-2 days..lol!

Re: Contacted Capital One EO.....still waiting.

Fresh-Start — Wed, 06 Feb 2013 16:22:24 GMT

@Anonymous wrote:
Did they give you an exact day when they will call you back? I spoke with the EO last Wednesday and they told me they would submit my file for review and get back to me on Tuesday (yesterday). I was traveling yesterday so I decided to try them first on Monday. I spoke to the rep and they already had my decision (an approval for CLI) but she didn't have a chance to call me back with it yet. So just give them a call and they should be able to tell you if it's still pending or if they have an answer for you. Good luck!

Yeah, she saidshe would submit my file for review and will call me back "in a few days." I will wait until the end of the week and give her a call back if I don't hear back from her before then. And Congrats on your CLI! :-)

Re: Contacted Capital One EO.....still waiting.

Anonymous — Wed, 06 Feb 2013 20:10:38 GMT

@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?
I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.
So you and I are in the same boat...waiting! LOL! My credit profile is a bit similiar to yours. I've been with them two years, never late on any accounts and no baddies.
I've been checking everyday as well hoping for a nice surprise, but so far no news. The person I spoke to said a few day, but you are right, I searched the forum and it seemed like most were getting CLI within 1-2 days..lol!

Alright so I checked my online account this afternoon and saw Capital One increased my CL to $3000 from $500. Shortly after (I believe like 3 hours), I received a call from the same lady from the EO and she told me of the increase and that they weren't able to give me the original $9000 I had requested. So I told her that I want them to match my current highest credit limit which is $7500 from Chase Freedom account or else I would cLose the account. She said she'll send my application in for review again to the underwriting team and she'll contact me in a few days and also told me there were no guarantees.

Re: Contacted Capital One EO.....still waiting.

Fresh-Start — Wed, 06 Feb 2013 20:43:10 GMT

@Anonymous wrote:
@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?
I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.
So you and I are in the same boat...waiting! LOL! My credit profile is a bit similiar to yours. I've been with them two years, never late on any accounts and no baddies.
I've been checking everyday as well hoping for a nice surprise, but so far no news. The person I spoke to said a few day, but you are right, I searched the forum and it seemed like most were getting CLI within 1-2 days..lol!
Alright so I checked my online account this afternoon and saw Capital One increased my CL to $3000 from $500. Shortly after (I believe like 3 hours), I received a call from the same lady from the EO and she told me of the increase and that they weren't able to give me the original $9000 I had requested. So I told her that I want them to match my current highest credit limit which is $7500 from Chase Freedom account or else I would cLose the account. She said she'll send my application in for review again to the underwriting team and she'll contact me in a few days and also told me there were no guarantees.

Congratulations on your progress thus far!

Re: Contacted Capital One EO.....still waiting.

Anonymous — Wed, 06 Feb 2013 20:59:35 GMT

@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?
I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.
So you and I are in the same boat...waiting! LOL! My credit profile is a bit similiar to yours. I've been with them two years, never late on any accounts and no baddies.
I've been checking everyday as well hoping for a nice surprise, but so far no news. The person I spoke to said a few day, but you are right, I searched the forum and it seemed like most were getting CLI within 1-2 days..lol!
Alright so I checked my online account this afternoon and saw Capital One increased my CL to $3000 from $500. Shortly after (I believe like 3 hours), I received a call from the same lady from the EO and she told me of the increase and that they weren't able to give me the original $9000 I had requested. So I told her that I want them to match my current highest credit limit which is $7500 from Chase Freedom account or else I would cLose the account. She said she'll send my application in for review again to the underwriting team and she'll contact me in a few days and also told me there were no guarantees.
Congratulations on your progress thus far!

Thanks man! keeping my fingers crossed!

any luck with checking your credit limit online thru Capitalone.com? It'll be posted there before you get the call from EO.

Re: Contacted Capital One EO.....still waiting.

SnackTrader — Wed, 06 Feb 2013 21:22:47 GMT

Do you think that they will double the limit they gave you on your first review? Seems a little unreasonable to me. The second reviewer is probably going to see all of the same information, so why would they get a different result? Why can't you just be happy with you 600% increase?

Also - would you actually close the card if they call your bluff?

Re: Contacted Capital One EO.....still waiting.

Fresh-Start — Wed, 06 Feb 2013 22:18:24 GMT

@Anonymous wrote:
@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
@Anonymous wrote:
@Fresh-Start wrote:
Is this a bad sign? I emailed them a few weeks ago, and they responded via email within a day asking me to call in. I put off calling in because I was unsure, but after reading so many success stories, I called in on Monday. Spoke to a very polite lady who took the normal info that many have mentioned on this forum. She said she would call me back withn a few days. So far nothing.......no call and no CLI (I've checked). So..is this a bad sign? lol! If denied, do they send you a letter or call you back to let you know the bad news?
I'm still waiting as well. I emailed them Thursday night and recieved a call Friday afternoon. Asked for CLI from $500 to $9000 or whatever they could counter offer me. Card opened since 2006, never late payments, or any derogatory marks (same thing goes for the credit report).

Still waiting and check everyday. They did say 5-7 business days so maybe it'll take a bit! I've seen other on the forum have noticed CLI within 1-2 days.
So you and I are in the same boat...waiting! LOL! My credit profile is a bit similiar to yours. I've been with them two years, never late on any accounts and no baddies.
I've been checking everyday as well hoping for a nice surprise, but so far no news. The person I spoke to said a few day, but you are right, I searched the forum and it seemed like most were getting CLI within 1-2 days..lol!
Alright so I checked my online account this afternoon and saw Capital One increased my CL to $3000 from $500. Shortly after (I believe like 3 hours), I received a call from the same lady from the EO and she told me of the increase and that they weren't able to give me the original $9000 I had requested. So I told her that I want them to match my current highest credit limit which is $7500 from Chase Freedom account or else I would cLose the account. She said she'll send my application in for review again to the underwriting team and she'll contact me in a few days and also told me there were no guarantees.
Congratulations on your progress thus far!
Thanks man! keeping my fingers crossed!

any luck with checking your credit limit online thru Capitalone.com? It'll be posted there before you get the call from EO.

Yup, I've been checking the website and via text message...LOL!!!

Re: Contacted Capital One EO.....still waiting.

Anonymous — Wed, 06 Feb 2013 22:26:40 GMT

@SnackTrader wrote:
Do you think that they will double the limit they gave you on your first review? Seems a little unreasonable to me. The second reviewer is probably going to see all of the same information, so why would they get a different result? Why can't you just be happy with you 600% increase?

Also - would you actually close the card if they call your bluff?

I am happy with the 3000 CL but this should have increased a long time ago to this limit...not after 7 years of trying to get an increase. My income supports the increase and CS as well and I think since I've been with them since 2006 they should *at least* match Chase which gave me $7500 as a new account instant approval less than a month ago. It shouldn't be this hard to get a credit limit increase.

As far as closing the account goes, I am thinking about it but at this point, I don't think I would close the account since they did increase it by $2500.

Re: Contacted Capital One EO.....still waiting.

Anonymous — Thu, 07 Feb 2013 18:45:50 GMT

Alright recieved a call today from the same EO cap 1 lady and they told me they were able to increase the CL to $5000 and if that was okay? So I told her thats fine and that I really appreciate her time and effort to get this problem sorted out. Another score with Capital One! So went from $500 to $3000 to $5000. 10x CLI

Re: Contacted Capital One EO.....still waiting.

Fresh-Start — Thu, 07 Feb 2013 19:12:54 GMT

@Anonymous wrote:
Alright recieved a call today from the same EO cap 1 lady and they told me they were able to increase the CL to $5000 and if that was okay? So I told her thats fine and that I really appreciate her time and effort to get this problem sorted out. Another score with Capital One! So went from $500 to $3000 to $5000. 10x CLI

Awesome!!!! Congratulations!! I am glad that worked out for you!

As for me. I was shot down. I just received a call and she advised they were not able to increase my $750 credit imit at this time. She said a letter would be sent out, but that the main reason was "Too many new accounts". Really?? My accounts are now over a year old; only my Bank of America card is "new"( got it a few months back). So because of ONE new account? SMH! Ridiculous. She also mentioned my Best Buy Card has high utl, uhhh yes because I bought a computer and a Ipad on the 18 month no-finance deal. Whatever! LOL!!!! I don't get it, but I'm not going to be spend too much time tying to figure them out. I appreciate Captial One for taking a chance on me and granting me credit when no one else would, but I've paid my dues, worked hard on the road of repair and have simply outgrown a $750 credit limit so I will be closing them down next month. Thankfully, I have these other "new" accounts (lol) that are growing and have good limits so I will move on.

But Congrats to all those who had success with Capital One!

Re: Contacted Capital One EO.....still waiting.

Kixforpa — Thu, 07 Feb 2013 20:15:14 GMT

What is the average wait time on them contacting us? I sent and email two days ago and have not received an email or call from Capital One. How long should I wait before emailing them again?