https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1885011#M523623 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669481">@RSCo</a> wrote:<BR /><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/568179">@pdog661</a> wrote:<BR /><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669481">@RSCo</a> wrote:<BR /><P>Okay.. Sorry for the delay.. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P><P>&nbsp;</P><P>It's complicated - me and cap one...</P><P>&nbsp;</P><P>They wanted to verify all kinds of data which they did.. The lady then forwarded my call to another department were they said they were not able to pull up my app, and I would have to wait 7-10 days for postal mail..&nbsp;</P><P>&nbsp;</P><P>These people are simply nuts.. I've been a cap one credit card customer for 13 years, have a checking account with them and a 30k brokerage account with them..&nbsp; For some reason they have me on 2 credit card products were they do not allow for customer initiated CLI requests... Both of these cards have a 300.00 and 500.00 credit limit, they've been at this level since I got them... I've NEVER been late on anything of them, never a negative mark against my cap one checking account and have had 30k parked in their brokerage account.. I'm completely mystified as to why the will not raise these credit limits OR approval a best buy card.. I've even talked to a branch manager with whom I meet and I showed her my brokerage statement from cap one and from trowe price with a combined 141k value.. She simply said that the cc products that I'm on does not allow for customer initiated cli requests and I would have to just wait for cap one to raise them automatically, but provided no criteria they follow that would trigger an increase.. So I left there quite pissed.. I then thought I would apply for a completely new cap one card, so I did and was immediately declined BECAUSE THEY DON"T ALLOW you to have more than 2 cap one credit cards of the same product... WOW...&nbsp; So, If I close these out all together, then I lose 13yr credit history and aging.. I'm stuck...</P><P>&nbsp;</P><P>I finally sent a letter to the CEO last week and make it very clear to him that I'm pulling my 30k out of my cap one brokerage account that's been parked there and I would NOT BE transferring in the 111k i have with another brokerage and I would simply just cancel all cap one business... I would simply shut everything down.. I received a call from his executive assistant within 2 hours of my email. She is going to present my info to underwriters.. No promises were made, except my promise to her that I'm transferring out my money and closing my accounts if they are not interested in growing the relationship..&nbsp; Nothing really surprises me, but all of this has simply stunned me.. I cant imagine more examples of how to run off and to NOT attract customers than what I've gone thru with them.. It's stunning when I read all these folks with scores in the mid 600s with multiple cap one credit cards and capital one issued stored cards.. I've never had one negative mark with cap one across any of my accounts with them, ever..</P><P>&nbsp;</P><P>Sorry so long..&nbsp; But will let you know what they say <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp;</P><P>&nbsp;</P><P>btw - i just opened a new savings and checking account with Pentagon Federal Credit Union this morning.. I'm sure they will see the inquiry when they do yet another hard pull on my credit report when the cap one underwriters review my request..</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Your credit is good. Do you have a lot of baddies on your report?</P><P>&nbsp;</P><P>If no,</P><P>&nbsp;</P><P>Run..... I can not even believe you are trying to resolve this relationship.&nbsp; Run Run Run Run RUN and never look back.&nbsp; Go to Chase, and open brokerage account.&nbsp; Deposit the 140+K, and get the CSP with a 25K limit.&nbsp;</P><HR /></BLOCKQUOTE><P>I hear ya.. <STRONG>The only reason I'm trying to get it bumped is because I've had the accounts for 13yrs and I didn't want to close them with such low limits showing because that makes other credit grantors wonder what happened were they were so low...</STRONG>&nbsp;</P><P>&nbsp;</P><P>I have zero lates and zero collections... My only credit issue as a foreclsure back in 2006 where the bank got all of their money back..That's my only credit issue.. My utils are also around 18%..&nbsp; I just don't get it..&nbsp; I'm only staying to take avantage of the account aging.. Those 2 are my oldest..</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>I'm confident other prime lenders are aware of Cap1's shady CLI practices. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P><P>&nbsp;</P> Sun, 17 Feb 2013 19:03:52 GMT LS2982 2013-02-17T19:03:52Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877587#M521730 <P>Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....&nbsp;&nbsp; I'm scared to call in.. I hate rejection and I hate to even admit that too..&nbsp;</P> Thu, 14 Feb 2013 18:17:33 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877587#M521730 RSCo 2013-02-14T18:17:33Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877595#M521732 <P>call in, I am sure they just want to clarify some points.&nbsp;</P><P>&nbsp;</P><P>Worst that can happen is they say no.</P> Thu, 14 Feb 2013 18:19:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877595#M521732 pdog661 2013-02-14T18:19:50Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877597#M521733 <P>yea i got that same message a few years back i called and they approved me for a plan b card with a limit of 1940</P> Thu, 14 Feb 2013 18:20:33 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877597#M521733 Anonymous 2013-02-14T18:20:33Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877601#M521734 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669481">@RSCo</a> wrote:<BR /><P>Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....&nbsp;&nbsp; I'm scared to call in.. I hate rejection and I hate to even admit that too..&nbsp;</P><HR /></BLOCKQUOTE><P>Call them...if you're at a 703, you should be approved. &nbsp;</P> Thu, 14 Feb 2013 18:21:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877601#M521734 visorboy1974 2013-02-14T18:21:44Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877843#M521800 Sometimes they need to verify some info. Hope you get it, keep us posted! Thu, 14 Feb 2013 19:21:27 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877843#M521800 Epcot 2013-02-14T19:21:27Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877857#M521804 Prob just verification!! Thu, 14 Feb 2013 19:22:18 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1877857#M521804 youngandcreditwrthy 2013-02-14T19:22:18Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878103#M521858 They're probably just confused about why a person with a FICO over 700 would be applying for a crappy subprime card!<BR /><BR />Seriously, barring something strange, there's no way you're getting rejected for this card. Thu, 14 Feb 2013 20:45:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878103#M521858 LionLaw 2013-02-14T20:45:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878161#M521868 I applied for them about two years ago and was declined but had an AMEX and applied for a BofA Cash Rewards and was approved. Now I have a CSP. Weird. Thu, 14 Feb 2013 21:27:38 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878161#M521868 2011beginnings 2013-02-14T21:27:38Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878359#M521912 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669481">@RSCo</a> wrote:<BR /><P>Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....&nbsp;&nbsp; I'm scared to call in.. I hate rejection and I hate to even admit that too..&nbsp;</P><HR /></BLOCKQUOTE><P>Dude.&nbsp; Really?</P><P>&nbsp;</P><P>If they're going to say no, they'd have said no.&nbsp;&nbsp; Asking you to call them is about verification...probably of your identity.</P><P>&nbsp;</P><P>If you DONT call them, they'll assume it wasn't you applying and will deny the application.</P> Thu, 14 Feb 2013 23:10:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878359#M521912 tcbofade 2013-02-14T23:10:47Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878419#M521928 <P>Call them.</P><P>&nbsp;</P><P>They're probably going to ask you 4 questions.</P><P>&nbsp;</P><P>Have you ever had a mortgage and what was the amount?</P><P>&nbsp;</P><P>Which of these cities have you lived in?</P><P>&nbsp;</P><P>Do you like almonds or peanuts?</P><P>&nbsp;</P><P>Basic questions to test your identity. If you pass, you'll come back with a nice fat approval (maybe, probably, who knows)</P><P>&nbsp;</P><P>&nbsp;</P> Thu, 14 Feb 2013 23:48:05 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878419#M521928 Anonymous 2013-02-14T23:48:05Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878497#M521948 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Call them.</P><P>&nbsp;</P><P>They're probably going to ask you 4 questions.</P><P>&nbsp;</P><P>Have you ever had a mortgage and what was the amount?</P><P>&nbsp;</P><P>Which of these cities have you lived in?</P><P>&nbsp;</P><P>Do you like almonds or peanuts?</P><P>&nbsp;</P><P>Basic questions to test your identity. If you pass, you'll come back with a nice fat approval (maybe, probably, who knows)</P><P>&nbsp;</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Bwhahahaha.&nbsp;</P> Fri, 15 Feb 2013 00:21:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878497#M521948 RSCo 2013-02-15T00:21:54Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878509#M521952 <P>did you call?&nbsp;</P> Fri, 15 Feb 2013 00:25:59 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878509#M521952 creditnocash 2013-02-15T00:25:59Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878719#M522021 <P>CALL!!!</P> Fri, 15 Feb 2013 01:46:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1878719#M522021 zerobacan 2013-02-15T01:46:17Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879323#M522133 <P>CALLLLL PLEASEEE!!!!</P> Fri, 15 Feb 2013 08:01:59 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879323#M522133 Grabiela 2013-02-15T08:01:59Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879347#M522142 Come on now. What happened? Fri, 15 Feb 2013 08:31:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879347#M522142 starry1 2013-02-15T08:31:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879369#M522149 <P>yea. What happened?&nbsp;</P> Fri, 15 Feb 2013 09:06:29 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1879369#M522149 Anonymous 2013-02-15T09:06:29Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882525#M522882 Ditto. What was the outcome? Sat, 16 Feb 2013 18:33:49 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882525#M522882 Anonymous 2013-02-16T18:33:49Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882627#M522908 <P>Great, now you guys have made the OP scared to post... about not calling.&nbsp;</P><P><BR />Please call!</P> Sat, 16 Feb 2013 19:18:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882627#M522908 scenery_guy 2013-02-16T19:18:01Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882635#M522911 <P>Lol&nbsp;</P> Sat, 16 Feb 2013 19:19:23 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882635#M522911 myjourney 2013-02-16T19:19:23Z https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882791#M522951 I would recommend to call as well. I am sure it is just for verification purposes Sat, 16 Feb 2013 20:14:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scared-To-Call/m-p/1882791#M522951 tennisfan78 2013-02-16T20:14:51Z