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Capital One EO interaction

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Anonymous
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Capital One EO interaction

So I reached out to C1 via Facebook the other day as they had recently denied my for an increase due to "low monthly payment" or something along those lines and saw everyone here commenting how well they did via the EO.  Well a nice lady finally gave me a call today and informed me that when they do the EO reviews it is only a SP.  Is that correct as I swore that I saw it would be a HP and make me exit the garden for an EO call?  She also asked me what kind of increase I wanted from my 3K current balance and I asked for 10K and agreed to accept a counter if offered hoping they will give me 5K but leaving it open for more if they are feeling generous.  Finally before we got off the phone I asked her if they could look in to possibly removing a 30 day late I received in 2011 that is the only baddie I have ever gotten on my report.  She said she would look into it and give me a call as well as let me know what the outcome of the limit increase request was most likely within 5 days.  I'm half hoping to hear something Friday but figure it would be Monday.  I just figured I would post my experience and I will update the thread when I receive any word back from them.  Heres to hoping I get as lucky as some of the rest of you seem to be with the EO.

Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: Capital One EO interaction

Alright man good luck!
Message 2 of 18
Anonymous
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Re: Capital One EO interaction

There are some real excellent people on facebook. Even one I took my time to write a message too her boss on how wonderful she is. 

 

On the flip side. I still get a lot of answers of "I cant do that" "That is not possible" etc. 

 

I recently posted to there facebook and got "we will escilate your concern up"...well almost a week later I have heard nothing. 

 

Captial one makes it extremely hard to do buisness if you are having a problem that needs to be taken care of right away. 

Message 3 of 18
Anomalous
Senior Contributor

Re: Capital One EO interaction

Good luck! Yes, it is only a SP. I've used the EO route myself last year.

Keep both your credit and your body in top shape!

Message 4 of 18
Anonymous
Not applicable

Re: Capital One EO interaction

Good luck! I got a call from the EO on Tuesday last week and they still haven't reviewed my case. I called yesterday to inquire and the rep said they have a backlog of requests but that they would have an answer this week.

Message 5 of 18
Anonymous
Not applicable

Re: Capital One EO interaction

I contacted them a week or so ago on FB and they said they would have someone contact me so it doesnt surprise me that they are backed up. I'm in no rush and am only using this increase as part of my strategy to improve my credit vastly over the rest of this calendar year so they can take all the time they want as long as something positive comes from the other end
Message 6 of 18
Anonymous
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Re: Capital One EO interaction

Same here OP, I got a call from here and complained Ina nice way how I've had my two Cap cards for over 3 years and every payment made on time but yet I still have a $1000 CL. I asked for $4k on each account, I know I should have asked for more. This was last week so hopefully I get a call Monday or Tuesday.
Message 7 of 18
Anonymous
Not applicable

Re: Capital One EO interaction

I asked for 10 knowing they most likely wouldnt go that high but I would get the max they would offer most likely. I didnt hear anything Friday and of course today is a holiday so I am hoping to hear something back from them tomorrow or Wednesday at the latest. I go to Vegas next Friday and it would be nice not to max out my regular spend DC there on my rental and hotel and all that so that I don't report high utilization on it next month
Message 8 of 18
Anonymous
Not applicable

Re: Capital One EO interaction

Update: Still haven't heard anything back from them and also just logged in to my account and still do not have any kind of increase.  Starting to get a bit nervous but the 5 business days are not until Friday or so anyway.  So, just keep waiting I suppose

Message 9 of 18
Anonymous
Not applicable

Re: Capital One EO interaction

Have you heard back from them yet? I sent my email on the 13th. Got my call on the 21st and nothing since...
Message 10 of 18
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