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Capital One Manual Review

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Rebuilding69
Established Contributor

Re: Capital One Manual Review


@Anonymous wrote:

 Makes zero sense

Probably the best waqy to describe CapOne in general sometimes


More like all the time lol!



Message 11 of 14
_NERD
Established Contributor

Re: Capital One Manual Review

Back in November I went the EO route. My QS1 account had only been opened in June. Anyway, the following requests were declined:

- CLI
- PC to QS
- WMC
- WEMC

After the call, I hit the love button and got a Power Up to $1500. SL was $1500. I'll try something again next month.

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Message 12 of 14
Anonymous
Not applicable

Re: Capital One Manual Review

Got a call back from the EO today, I'm assuming from the email I sent 2 days ago but it could also be because I reached out on FB and someone said they'd call me back as well.  "Kim" was very pleasant on the phone and at least 3 times thanked me for reaching out to them and giving them an opportunity to serve me.  She said that because the system kept kicking back a "credit bureau information missing or unavailable" message that she was submitting a manual review for a possible CLI.  She asked some basic questions:  income, employment, rent/own home, mortgage payment, what I think I could get for my house if I sold it tomorrow, etc.  And then, the important question was "what credit limit would best suit your needs, and if we are unable to provide that limit would you accept a lower increase?"  My CL now is $3500, so I asked for $10k.  Not sure if I was being to aggressive there or what since my only CLI has been $500 so far on the account, but I figured the worse case is they counter and I still get something.  Anyway, she said within 4-5 days max I should see an increase on my account (assuming I get SOMETHING), possibly sooner so to keep checking online.  We'll see what I get in a few days I hope!

Message 13 of 14
Anonymous
Not applicable

Re: Capital One Manual Review


@Anonymous wrote:

Got a call back from the EO today, I'm assuming from the email I sent 2 days ago but it could also be because I reached out on FB and someone said they'd call me back as well.  "Kim" was very pleasant on the phone and at least 3 times thanked me for reaching out to them and giving them an opportunity to serve me.  She said that because the system kept kicking back a "credit bureau information missing or unavailable" message that she was submitting a manual review for a possible CLI.  She asked some basic questions:  income, employment, rent/own home, mortgage payment, what I think I could get for my house if I sold it tomorrow, etc.  And then, the important question was "what credit limit would best suit your needs, and if we are unable to provide that limit would you accept a lower increase?"  My CL now is $3500, so I asked for $10k.  Not sure if I was being to aggressive there or what since my only CLI has been $500 so far on the account, but I figured the worse case is they counter and I still get something.  Anyway, she said within 4-5 days max I should see an increase on my account (assuming I get SOMETHING), possibly sooner so to keep checking online.  We'll see what I get in a few days I hope!


Sounds promising. I hope everything works out for you.Smiley Happy

Message 14 of 14
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