topic Re: Crapital one here we go again... in Credit Cards

Crapital one here we go again...

Anonymous — Thu, 25 Apr 2013 18:13:42 GMT

So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone

Re: Crapital one here we go again...

myjourney — Thu, 25 Apr 2013 18:19:21 GMT

@Anonymous wrote:
So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone

TwinGirls I told you this before send an email to EO and give up on the regular CSR they just read you a script which ends in no...send you PM

Re: Crapital one here we go again...

tattooedhusker — Thu, 25 Apr 2013 19:03:46 GMT

Re: Crapital one here we go again...

Anonymous — Thu, 25 Apr 2013 19:34:00 GMT

I am not a fan of Secured Credit Cards.

I understand they may be necessary in some cases.

With that said, I would close this account.

Re: Crapital one here we go again...

SLR72689 — Thu, 25 Apr 2013 19:35:43 GMT

Same thing happened to me and I emailed the EO and was approved for a CLI.

Re: Crapital one here we go again...

qd — Thu, 25 Apr 2013 19:39:28 GMT

I'd keep it just 'cause of AAoA, but definitely email EO and get CLI that way if you have good payment history with the card.

Re: Crapital one here we go again...

tattooedhusker — Thu, 25 Apr 2013 19:43:19 GMT

@Anonymous wrote:
I am not a fan of Secured Credit Cards.

I understand they may be necessary in some cases.

With that said, I would close this account.

I don't think this is a secured account

Re: Crapital one here we go again...

Anonymous — Thu, 25 Apr 2013 21:13:55 GMT

My journey thank you soo much, going to email them right away and keep you guys posted. Someone mentioned secured card, this is just a regular credit card not secured.

Re: Crapital one here we go again...

LS2982 — Thu, 25 Apr 2013 21:20:35 GMT

@Anonymous wrote:
So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone

How long has this card been open???

Re: Crapital one here we go again...

myjourney — Thu, 25 Apr 2013 21:36:10 GMT

@Anonymous wrote:
My journey thank you soo much, going to email them right away and keep you guys posted. Someone mentioned secured card, this is just a regular credit card not secured.

Yay thats what I want to hear I think you will find a happy outcome and you know i have my fingers crossed

No personal info if you email just why you should be given a CLI and a phone you can be reached at

Hint best customer always pay would like to use more etc etc ...lol you get the idea

Re: Crapital one here we go again...

ztnjpv — Thu, 25 Apr 2013 21:37:53 GMT

If you are still trying to keep your scores up, then leave it open. If you don't care then close it. If it's because of the AF, you can always call and complain when they charge it. I did in Oct 2012 and they removed the AF charge.

That being said, the EO route does work. It worked for me. Be nice. Be patient. Someone will help you if they can. I just took an offer yesterday to convert out of my Platinum MC to a Cash Rewards. Such offers will come. But first you have to get that CL up.

My Plat MC started at a $1000 in 10/11. Stayed that way for a while. End summer 2012, it went up to $1500. Over the winter, I worked the EO route and got cash rewards attached to it and got the limit raised to $5000 in one shot. Now, I just took the offer to officially convert it to a true green Cash Rewards card. I took it. I could gotten one of the Ventures as well but went with the Cash Rewards.

Moral of the story is that good things can eventually come with C1. I hated them more than anyone due to a lot of BS problems and insulting results but eventually things worked out in my favor. Just keep at it.

Re: Crapital one here we go again...

Anonymous — Thu, 25 Apr 2013 21:54:40 GMT

This is why this forum is truly one of the best, because of the people that are here. I was soo frustrated after they rejected me for the cli I almost closed it, but kept cool. Myjourney called instead of email, holy crap what a difference!!! I actually felt like they cared and were not reading me the usual script lol. The nice gentleman said he is going to waive the 19 dollar annual fee, add the cashback rewards program, and get back to me regarding the cli which I requested at 5000 my highest cli (chase), he said he would confirm this in 24-48 hours lol I have a good feeling about this

Re: Crapital one here we go again...

myjourney — Thu, 25 Apr 2013 22:00:49 GMT

@Anonymous wrote:
This is why this forum is truly one of the best, because of the people that are here. I was soo frustrated after they rejected me for the cli I almost closed it, but kept cool. Myjourney called instead of email, holy crap what a difference!!! I actually felt like they cared and were not reading me the usual script lol. The nice gentleman said he is going to waive the 19 dollar annual fee, add the cashback rewards program, and get back to me regarding the cli which I requested at 5000 my highest cli (chase), he said he would confirm this in 24-48 hours lol I have a good feeling about this

Allow me to start the party wasn't sure if you would call or email and with that said....Things are already off to a great start

Re: Crapital one here we go again...

LS2982 — Thu, 25 Apr 2013 22:01:25 GMT

@Anonymous wrote:
This is why this forum is truly one of the best, because of the people that are here. I was soo frustrated after they rejected me for the cli I almost closed it, but kept cool. Myjourney called instead of email, holy crap what a difference!!! I actually felt like they cared and were not reading me the usual script lol. The nice gentleman said he is going to waive the 19 dollar annual fee, add the cashback rewards program, and get back to me regarding the cli which I requested at 5000 my highest cli (chase), he said he would confirm this in 24-48 hours lol I have a good feeling about this

CONGRATS on your success so far!

Fingers crossed on your CLI!!!

Re: Crapital one here we go again...

myjourney — Thu, 25 Apr 2013 22:02:13 GMT

P.S.

check your account online the next 2 days changes usually show up the night before they call you back

Re: Crapital one here we go again...

LS2982 — Thu, 25 Apr 2013 22:03:36 GMT

@myjourney wrote:
P.S.
check your account online the next 2 days changes usually show up the night before they call you back

This is true the next day after I requested mine I checked my mobile and there it was!!!! Got a call 2 hrs later telling me I got it.

Re: Crapital one here we go again...

ztnjpv — Thu, 25 Apr 2013 22:05:34 GMT

TwinGirls,

"The nice gentleman said he is going to waive the 19 dollar annual fee, add the cashback rewards program, and get back to me regarding the cli which I requested at 5000 my highest cli (chase), he said he would confirm this in 24-48 hours lol I have a good feeling about this"

BRAVO! That's how it's done. I got the very same treatment with the exact same response...as I stated in my previous post. And when the nice young lady that worked with me called back, it was good news all around! It does work. You just have to know who to call. Never call the basic number to get anything done. I don't even keep it in my phone. I call the escaltion line or Cap One Business (top notch). The escalation number is in the sticky topic on phone numbers. You never wait and you always go to an intellgient native speaker who speaks to you normally.

Once you get the CL a little higher, check in every few months and ask if you have any offers to convert/upgrade. I went through this EO tactic over the winter (Jan?) and I already had an offer here in April. I don't even know how long it was available. Coulda been a while now. I can say that you shouldn't trust the results from the online version for "offers". It won't always be accurate. I didn't have one listed and I called that day and found out I had offers for an upgrade to either Venure or the Cash Rewards.

Keep at it....

Re: Crapital one here we go again...

myjourney — Thu, 25 Apr 2013 22:06:15 GMT

@LS2982 wrote:
@myjourney wrote:
P.S.
check your account online the next 2 days changes usually show up the night before they call you back
This is true the next day after I requested mine I checked my mobile and there it was!!!! Got a call 2 hrs later telling me I got it.

noticed it at midnight got the call at 8am

When i saw the number (caller ID)

I didn't say hello I said you are my favorite person with cap1....she laughed

Re: Crapital one here we go again...

ztnjpv — Thu, 25 Apr 2013 22:10:11 GMT

Very true about checking your online account for status changes. You will see it there and likely before they call. It's instant.

Re: Crapital one here we go again...

Anonymous — Fri, 26 Apr 2013 00:20:40 GMT

Lol. Not getting ahead of myself guys lol but funny how myfico forum minds think alike, currently at dinner with the wife and I've logged on twice to check lol I know its too early to tell, sorry its the beer lol