topic Re: Capital One EO THIRD Time! in Credit Cards

Capital One EO THIRD Time!

Creditaddict — Fri, 13 Dec 2013 23:26:50 GMT

So got a call back from the guy I "did" like.

He was following up because I had done CLI and they were using a 10/29 report and he said to wait until first week in December to be sure new one was on file.

Wait and get a call Monday that it was reviewed and denied again but it happened that they did it on Thursday the last week and I actually ended up getting the letter in the mail Monday and it showed the same 10/29 so I call him back and he says he will check into this because it should for sure be a new one.

So today he calls me and says: "When the EO sends a request for CLI they pull a sp updated report right then but do not get updated Fico score because if they requested that it would result in a HP, but they do get an updated report and then Capital One has to wait until EQ sends them the updates regarding scores which could take up to 90 days for the credit report to be updated but I assure you the information we use for CLI request is updated"

ARE YOU KIDDING ME...

His statments had so many things wrong with it and so many changes from his last statements during last call I didn't even know where to start... I was just alm Face: to say the least.

Re: Capital One EO THIRD Time!

coldnmn — Fri, 13 Dec 2013 23:29:21 GMT

Sorry to hear!

Re: Capital One EO THIRD Time!

myjourney — Fri, 13 Dec 2013 23:32:52 GMT

Maybe creditaddict is popping up on their caller ID you call so much ROFLOL

Sorry for the denial

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 06:27:45 GMT

@myjourney wrote:
Maybe creditaddict is popping up on their caller ID you call so much ROFLOL
Sorry for the denial

LOL

Creditaddict... I take it now that this guy, whom you "did" like is no longer your BFF.

Re: Capital One EO THIRD Time!

djc1puno — Sat, 14 Dec 2013 06:35:19 GMT

@FinStar wrote:
@myjourney wrote:
Maybe creditaddict is popping up on their caller ID you call so much ROFLOL
Sorry for the denial
LOL

Creditaddict... I take it now that this guy, whom you "did" like is no longer your BFF.

lmao...sorry to hear tho, CreditAddict!

Re: Capital One EO THIRD Time!

Anonymous — Sat, 14 Dec 2013 06:37:30 GMT

is cap 1 generally picky when it comes to CLI and app ??

oh and i heard that EO of cap 1 is really goood lol

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 06:38:33 GMT

@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.

Re: Capital One EO THIRD Time!

djc1puno — Sat, 14 Dec 2013 06:40:05 GMT

@FinStar wrote:
@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.

cap1 has been all over the place when it comes to CLIs...but from my experience, they've been very good

Re: Capital One EO THIRD Time!

Anonymous — Sat, 14 Dec 2013 06:42:54 GMT

@FinStar wrote:
@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.

hmm i see.. i was thinking of getting quicksilver but i guess i'll prob wait ..

anyway thanks for the info !

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 06:48:40 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.
hmm i see.. i was thinking of getting quicksilver but i guess i'll prob wait ..
anyway thanks for the info !

You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

You could also try their pre-qualification (SP) tool to determine if you have any elegible offers that point you in that direction.

Re: Capital One EO THIRD Time!

Anonymous — Sat, 14 Dec 2013 06:54:21 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.
hmm i see.. i was thinking of getting quicksilver but i guess i'll prob wait ..
anyway thanks for the info !
You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

You could also try their pre-qualification (SP) tool to determine if you have any elegible offers that point you in that direction.

sounds good =) oh and when you say decent income, do you mean like $50k+ ? becuase i am not even close to that figure lolllllll

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 07:01:03 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
is cap 1 generally picky when it comes to CLI and app ??

It depends on a variety of factors. The main ones being your overall profile, history, income, scores, etc. The secondary being the type of product(s) you have with them.
hmm i see.. i was thinking of getting quicksilver but i guess i'll prob wait ..
anyway thanks for the info !
You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

You could also try their pre-qualification (SP) tool to determine if you have any elegible offers that point you in that direction.

sounds good =) oh and when you say decent income, do you mean like $50k+ ? becuase i am not even close to that figure lolllllll

While this may be relative to your situation, something hovering in the $30K range for some of the high-tiered products (i.e. Visa Signature or WMC). If those don't matter, then income below that level/range could still qualify for their standard Platinum CCs.

Re: Capital One EO THIRD Time!

Anonymous — Sat, 14 Dec 2013 07:09:18 GMT

i see =) thanks again for your valuable advices and thoughts.

learning something new everyday =D

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 07:11:19 GMT

@Anonymous wrote:
i see =) thanks again for your valuable advices and thoughts.
learning something new everyday =D

Anytime - we're glad to help in any way we can

Re: Capital One EO THIRD Time!

score_building — Sat, 14 Dec 2013 09:22:47 GMT

At any level of cs, there is a point at which an approach will be viewed as overbearing and too high maintenance with repeated 'specialized' requests. Couldn't hurt to revisit this pursuit after a long break from contacting EO IMHO.

Re: Capital One EO THIRD Time!

jeffery581 — Sat, 14 Dec 2013 10:23:30 GMT

RE: You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

That is not correct. One is Visa Signature One is a mastercard. Both have 1.5% cash back

Quicksilver® Rewards Earn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus Compare	0%intro APR until December 201412.9%-20.9%variable APR after that	0%intro APR until December 201412.9%-20.9%variable APR after that; 3% fee on the amount transferred until December 2014	$0Annual fee	Excellent Credit Card Details 4.6 stars out of 5Read all 184 reviews
QuicksilverOneSM Rewards Earn unlimited 1.5% cash back on every purchase, every day Compare	0%intro APR until September 201422.9%variable APR after that	22.9%variable APR; No Transfer Fee	$39Annual fee	Average Credit Card Details 4.6 stars out of 5Read all 290 reviews

Re: Capital One EO THIRD Time!

Anonymous — Sat, 14 Dec 2013 10:28:10 GMT

@jeffery581 wrote:
RE: You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

That is not correct. One is Visa Signature One is a mastercard. Both have 1.5% cash back

Quicksilver® RewardsEarn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus
Compare
0%intro APR until December 201412.9%-20.9%variable APR after that 0%intro APR until December 201412.9%-20.9%variable APR after that; 3% fee on the amount transferred until December 2014 $0Annual fee Excellent CreditCard Details
4.6 stars out of 5Read all 184 reviews
QuicksilverOneSM RewardsEarn unlimited 1.5% cash back on every purchase, every day
Compare

0%intro APR until September 201422.9%variable APR after that 22.9%variable APR; No Transfer Fee $39Annual fee Average CreditCard Details
4.6 stars out of 5Read all 290 reviews

QS is for excellent credit and QS1 is for average credit as illustrated in your posting.

Re: Capital One EO THIRD Time!

lg8302ch — Sat, 14 Dec 2013 10:29:12 GMT

@score_building wrote:
At any level of cs, there is a point at which an approach will be viewed as overbearing and too high maintenance with repeated 'specialized' requests. Couldn't hurt to revisit this pursuit after a long break from contacting EO IMHO.

+1 ...that could be a possible reason..OP sorry to hear... I can feel you...

I am in a similar position with Discover where I simply cannot get anything but denials...so I will give them a break and not request a CLI every 3 months (6,9 and 12 months marks denied) and see what will happen if I 'll give them another full year. Wonder if I have any better luck with them. My mission was just to get this CL adjusted to the lowest limit and even with HP it was a no go...not sure what Discover's problem is but I will give up now and just wait it out....no AF and my use will be only for 5% categories and nothing else anymore as they do not appreciate heavy use anyway. And of course the free Fico score..LOL. Their strange reason for denial: account is still too new ..this is a joke as it is 13 months now and from the forum here people have been able to get CLI on 3 months marks already...Anyway I am happy with the free Fico score and will drastically cut back on the use of the card as of Jan 14

Re: Capital One EO THIRD Time!

FinStar — Sat, 14 Dec 2013 20:15:33 GMT

@Anonymous wrote:
@jeffery581 wrote:
RE: You're welcome. An item to keep in mind when applying for the Quicksilver, it is typically targeted for individuals with excellent credit profiles so if you have well-established/clean file, decent income and scores north of 700 then it could be an ideal choice.

That is not correct. ??? One is Visa Signature One is a mastercard. Both have 1.5% cash back

Quicksilver® RewardsEarn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus
Compare
0%intro APR until December 201412.9%-20.9%variable APR after that 0%intro APR until December 201412.9%-20.9%variable APR after that; 3% fee on the amount transferred until December 2014 $0Annual fee Excellent CreditCard Details
4.6 stars out of 5Read all 184 reviews
QuicksilverOneSM RewardsEarn unlimited 1.5% cash back on every purchase, every day
Compare

0%intro APR until September 201422.9%variable APR after that 22.9%variable APR; No Transfer Fee $39Annual fee Average CreditCard Details
4.6 stars out of 5Read all 290 reviews

QS is for excellent credit and QS1 is for average credit as illustrated in your posting.

Quicksilver® RewardsEarn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus Compare	0%intro APR until December 201412.9%-20.9%variable APR after that	0%intro APR until December 201412.9%-20.9%variable APR after that; 3% fee on the amount transferred until December 2014	$0Annual fee	Excellent CreditCard Details 4.6 stars out of 5Read all 184 reviews
QuicksilverOneSM RewardsEarn unlimited 1.5% cash back on every purchase, every day Compare	0%intro APR until September 201422.9%variable APR after that	22.9%variable APR; No Transfer Fee	$39Annual fee	Average CreditCard Details 4.6 stars out of 5Read all 290 reviews