Happy Friday MyFico members!
I requested a credit limit increase after my 3rd statement on my Plat card but was denied. The credit score they gave as a reason for denial along with past derogotories in my credit report is old. My credit score is now roughly 70 pts higher. Is there anything I can do? Will they recon?
***Gardening 3/29/2018 until 9/25/2018***
@Anonymous wrote:But I thought you said your credit was A1... How could this happen?? Lol!
LOL ever heard of speaking things into existence?
@HeavenOhio wrote:I don't think they'll recon. But you're not resetting any clock if you're denied. If your score has increased, give Capital One's system a few weeks to catch up, and make another request.
Thanks for the advice. I will wait and try again next month.
@Anonymous wrote:
@A1Credit wrote:
@HeavenOhio wrote:I don't think they'll recon. But you're not resetting any clock if you're denied. If your score has increased, give Capital One's system a few weeks to catch up, and make another request.
Thanks for the advice. I will wait and try again next month.I wouldn't waste your time. My score increased 200 points and I got denied at 5 months for too many inquiries. Then a week later I got my steps increase. Seems this card is a dud. If you want more credit limit get a different card.
I'm hoping that I can PC it into a Quicksilver with no AF after 6 months.
@Anonymous wrote:
You may be able to PC it before six months. Just call and ask.
And they won't recon increases.
Do you know if it will be a hard pull or can they just look in their system and tell me?
They can just look and see if it is eligible. May also try MyLoFICO's link in his thread. It's very rare forCapOne to HP for anything but new apps, and then they go overboard.
