topic Re: Capital One and Amazon Visa in Credit Cards

Capital One and Amazon Visa

dheather00 — Sat, 28 Sep 2013 22:45:02 GMT

Hello,

I left the garden today, and was approved for two of the four cards. I was approved for Capital One $1,000.00 and Amazon Visa $500.00. It feels good to get some real cards, my question is often should I request a credit limit increase. Does anyone know if the requests are hard or soft pulls. Thanks for any help, I am on my way back to my garden until I apply for a new car loan in the spring!

Thanks!

Re: Capital One and Amazon Visa

09Lexie — Sat, 28 Sep 2013 23:41:13 GMT

Congratulations on your approval. IIRC, Cap 1 CLI's are after 6 mos and are SP's. The Amazon Visa is backed by Chase and is a hp.

Re: Capital One and Amazon Visa

dheather00 — Sat, 28 Sep 2013 23:43:49 GMT

Great thanks! Does Amazon give auto credit increases?

Re: Capital One and Amazon Visa

09Lexie — Sat, 28 Sep 2013 23:45:28 GMT

I want to make sure you were approved for Amazon Visa and not Amazon Credit Card backed by GE

Re: Capital One and Amazon Visa

dheather00 — Sat, 28 Sep 2013 23:46:47 GMT

I was approved for Amazon Visa, I double checked . Thanks!

Re: Capital One and Amazon Visa

09Lexie — Sat, 28 Sep 2013 23:52:14 GMT

Then it's Chase, a hp for CLI's, YMMV on auto CLI's

Re: Capital One and Amazon Visa

Anonymous — Sat, 28 Sep 2013 23:57:19 GMT

+1 to everything lexie said, and also grats on your approval.

Chase seems to be more willing to do auto increases if theres a pattern of heavy usage, so use it well and hopefully they'll give you an auto CLI.

Re: Capital One and Amazon Visa

dheather00 — Sat, 28 Sep 2013 23:58:16 GMT

Great Thanks!

Re: Capital One and Amazon Visa

youngandcreditwrthy — Sun, 29 Sep 2013 04:08:03 GMT

Congrats !!!

Re: Capital One and Amazon Visa

Anonymous — Sun, 29 Sep 2013 04:17:01 GMT

Grats!

Re: Capital One and Amazon Visa

azguy13 — Sun, 29 Sep 2013 13:57:35 GMT

Congrats!

I agree that heavy usage on a Chase card is the best way to get an auto CLI.

Get back to the garden!!

Re: Capital One and Amazon Visa

youngandcreditwrthy — Sun, 29 Sep 2013 13:58:51 GMT

Even w heavy usage, Ive gotten one auto cli in 6+ years with Chase and three different accounts lol...
Im going to try the SD it and wait method now LOL

Re: Capital One and Amazon Visa

dheather00 — Sun, 29 Sep 2013 14:14:57 GMT

Have you requested a credit request from them? Are they easy to deal with?

Thanks!

Re: Capital One and Amazon Visa

MYCherie — Sun, 29 Sep 2013 15:17:15 GMT

Congrats!!!

Re: Capital One and Amazon Visa

youngandcreditwrthy — Sun, 29 Sep 2013 15:24:10 GMT

I haven't ever request a cli from them.
Chase will 100% hard pull you for a credit line increase :-(

Re: Capital One and Amazon Visa

navigatethis12 — Sun, 29 Sep 2013 20:28:43 GMT

@dheather00 wrote:
Have you requested a credit request from them? Are they easy to deal with?

Thanks!

They're pretty easy if you've shown you can manage the new increase. To initiate it you do have to ring the number on the back of the card and request it first. If you aren't happy with the result then either ask to be transferred to lending or ring the credit analyst number on here. If you ring the analyst first they will tell you you have to start the request with customer service first and they can look at it after.

Re: Capital One and Amazon Visa

dheather00 — Sun, 29 Sep 2013 20:42:29 GMT

Thanks everyone for all of the advice!

Re: Capital One and Amazon Visa

sleephla541 — Sun, 29 Sep 2013 23:03:27 GMT

I got my Amazon.com rewards card from Chase and they're pretty stingy with any CLI (manual or auto). I started out with $300 in 2010 and I'm now at $1000 after begging them for increases every six months. I'll ask for at lease 1k every 6 months and they will usually only give me $250. Of course YMMV, but I haven't become a fan of Chase since starting with them.

Re: Capital One and Amazon Visa

youngandcreditwrthy — Mon, 30 Sep 2013 00:36:19 GMT

Yeah, taking a HP for a cli from Chase when I can get a SP from GE or Amex for a bigger cli= no go for me. Lol

Re: Capital One and Amazon Visa

navigatethis12 — Mon, 30 Sep 2013 01:16:13 GMT

@sleephla541 wrote:
I got my Amazon.com rewards card from Chase and they're pretty stingy with any CLI (manual or auto). I started out with $300 in 2010 and I'm now at $1000 after begging them for increases every six months. I'll ask for at lease 1k every 6 months and they will usually only give me $250. Of course YMMV, but I haven't become a fan of Chase since starting with them.

Do you speak to the underwriters or just accept what the computer gives you? I reckon if you speak to a human you may be able to get more. Once accounts aged Chase has had no problem giving me more.