topic Re: Minimum Waiting Time to Contact Cap 1 EO Again in Credit Cards

Minimum Waiting Time to Contact Cap 1 EO Again

John060675 — Tue, 21 Jan 2014 03:04:35 GMT

I contact the Cap 1 EO department a couple weeks ago and received a CLI on my 2 CC accounts. Also, they did a PC to the Quicksilver on both.

My credit score has gone up 20 points since I spoke with them and I expect more of a bump when my utilization lowers in a few days. What is the minimum time you would recommend between contacting the EO and requesting a CLI? I do not want to bother them but I think a 30 point jump in credit score (estimate) might allow me to get another bump.

thank you.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

gdale6 — Tue, 21 Jan 2014 03:07:47 GMT

I do believe 6 months has to pass before ano CLI can be processed.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

myjourney — Tue, 21 Jan 2014 03:08:44 GMT

CAP1 is saying 6 months from last CLI lately but some have had luck with less

Re: Minimum Waiting Time to Contact Cap 1 EO Again

juggalo9er — Tue, 21 Jan 2014 04:48:09 GMT

i was told 6 months from any cli not just one from eo

Re: Minimum Waiting Time to Contact Cap 1 EO Again

SunriseEarth — Tue, 21 Jan 2014 06:07:14 GMT

@gdale6 wrote:
I do believe 6 months has to pass before ano CLI can be processed.

+1 to 6 months, whether from LUV button or EO.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

Anonymous — Tue, 21 Jan 2014 18:35:04 GMT

In mid-December, my contact at the EO told me that if the amount requested was not fully granted, I could ask again before the six months. He indicated that I should wait the six months if the full CLI request was approved.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

indiolatino61 — Tue, 21 Jan 2014 20:53:45 GMT

@John060675 wrote:
I contact the Cap 1 EO department a couple weeks ago and received a CLI on my 2 CC accounts. Also, they did a PC to the Quicksilver on both.

My credit score has gone up 20 points since I spoke with them and I expect more of a bump when my utilization lowers in a few days. What is the minimum time you would recommend between contacting the EO and requesting a CLI? I do not want to bother them but I think a 30 point jump in credit score (estimate) might allow me to get another bump.

thank you.

It seems that 6 months is the minimum time. They will probably deny before then, stating that your account has been changed within the last 6 months. Good luck to you.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

randy230k — Tue, 21 Jan 2014 20:57:16 GMT

I've called the EO and received a CLI just two months after a previous CLI. I know the luv button doesnt work for 6 months after receiving a CLI whether its from a luv button or EO. Just my experience

Re: Minimum Waiting Time to Contact Cap 1 EO Again

John060675 — Tue, 21 Jan 2014 22:53:38 GMT

Thank you for the information. Well, at least I can call to see about lowering my APR. Then I can kind of feel them out concerning the CLI. Thank you all.

Re: Minimum Waiting Time to Contact Cap 1 EO Again

Legal_Girl — Tue, 21 Jan 2014 23:10:27 GMT

EO told me 6 months. I did try the luv button at 4 months and got the 'too soon since last CLI' message..