Congrats Kyle. Enjoy your new purchasing power.
Well done, congrats on your success !! How much was the CLI that you requested? 
She probably liked the sound of your voice! :-)
AimED for 5.6% 
Congrats on the Cap One cli inrease! 
It does pay to be nice to all. I treat them the way I would want to be treated. Sometimes I get a cli and sometimes I don't. Very nice Kyle!
FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
@KyleBandit wrote:It pays to be courteous. Cap 1 declined my request due to a returned payment. I pay it down every month but I have a $25 autopay at the end of every month as a failsafe in case I happen to forget, and when I switched banks, I forgot about that recurring payment, so it got kicked, even though I had already made a payment beforehand. I ended up emailing the CEO's office and asked them to reconsider based on 2 years of perfect payment history, and the circumstances around the returned payment. About 10 days went by with no response, so I figured they just blew it off. A rep contacted me yesterday and explained that despite the returned payment having no negative effect, per their policy they would not be able to grant the increase. I was polite and although it wasn't the answer I was hoping for, I know that my credit is still a work in progress and I just need to keep building.
Today I got another call and the rep said after our conversation, she spoke to one of the managers and they decided to grant me the increase! They said I'd get a confirmation letter stating the amount in 10-14 days! Something tells me if I had gotten ignorant and voiced my frustration on the first call, there's a good chance this wouldn't have happened.
BE NICE TO THE PERSON ON THE OTHER END OF THE PHONE!!
Congratulations to you!...Thanks for sharing.
Congratulations and enjoy your CLI!
I always act kind and professional even when denied... even if I think their wrong. 99% of the time the person talking to me is just trying to do the job asked of them and it isn't their fault the underwriter or computer (in most cases) says no to them on an increase or approval. I am a believer that all reps have the ability to place notes in the system. Something small you say or do can harm your chances down the road when you really need it.
In your case, I bet the person literally said to themselves.. "this person is getting declined despite being a good customer because of a legitimate mistake that they took the time to call in and explain... all other aspects of their relationship with us checks out, so I'm going to talk to someone who can overrule this..." <fast forward>
Congrats!
