Cap1 EO Success - App Spree

[Tony275]

Hey all,

Just figured I'd share some random information as to what I've been up to lately, consolidating some information that took me a few days to gather!!

Cap1 EO Success!!

- Last week - 4/17 - I emailed the EO of Cap1 regarding my wishes to increase the credit line of my Cap1 Platinum (was at $1k with $39 AF) and also if they could remove my annual fee. On 4/18 I received a call from a nice gentleman from the EO saying the email had been forwarded to him and he would be handling my request. I called back as I was asleep when he called, got a hold of him and we went over my info, he told me I could ask for a CLI on the website, or he could submit a request for a manual CLI to the UW dept. I requested a manual CLI and was told it would take a few business days to hear back. I checked my mobile app on 4/21 and notice my credit line was bumped to $2k! I asked for $5k, but anything is better than nothing!! And the gentleman also refunded the $39 fee this time, but said it was a one time deal and he couldn't remove it permanently, but he hinted that I could call again next year after it hits my account again. (I'll be saving this number in my phone!) I'll try for some online LUV in 6 months - per the CSR's suggestion - and again in a year to see if my card can be upgraded!!

Also over the weekend I applied for a DCU card

- Still waiting to hear back any information on that, as I know a donation to an organization of choice is required for membership, I'll keep you updated on how that goes!! I'd like a card with a low interest rate!! Looking for their free credit score!

I applied for a pre-approved Walmart CC - was instantly approved with a $1100 credit line, main reason for this card is the TU08 score (even though I'm unsure if this is the same score Discover now gives monthly, I've read different opinions on this, we'll see!), if nothing else, I shop at Walmart regularly (even though I'm a Target employee, shh!) and this might come in handy during a tight wallet week!

Tried for some luv on my Discover IT ($1900 CL) on 4/21

- Automated page online gave me the "Cannot be processed at this time" message so I called in, asked for a raise to $5k (only if I could do so without a HP) and the very friendly CSR told me it was declined with a SP but they are doing more and more automated CLI's lately, so we'll see if maybe my request triggered some luv! I was originally approved for this card in April of 2013 for $1200, given an automated SP to $1500, then another 3 months later to $1900 in December. I figured since I'm at my year anniversary with them I'd get some luv, but I was wrong! I'll try again in 90 days!

Also recently I applied for a Chase Amazon card - instant $1k approval (my mortgage is through Chase, as well as my Chase Freedom ($2k))

Had some great success with my GECRB Lowe's card!

- Applied online not knowing about the instant CLI's they give, was instantly approved for $700....great...what am I going to improve on my new house with $700? Definitely not the fence I need!! Co-worker said he applied at the store, was approved for $1500 with a pending purchase of $6800, his associate told the cashier at Lowe's he needed at least $6800, she hit some buttons and he was given a CL of $7K!! Needless to say, I was a little upset I couldn't get the same love from my online application! Found the backdoor number on here, called in, took 2 mins and I got a CLI to $5k!! Wishing I would've asked for more so I don't kill my utilization with my $3k+ fence project!!

Best Buy Credit Analyst Success!

- A few weeks ago I called the Citi Credit Specialist line and was on the phone for a total of about 30 mins, the very polite CSR took my information, placed me on hold for about 10-15 mins, then again for another 5 and she told me she had incresed my CL to $9k! From $5k (I've had the $5k limit since opening 5 years ago)!! Next project is to call and see if I can have my co-signer removed from my account as my mom cosigned when I was 18 on this card! I'll wait until I have some of these inquiries fall off for that, I don't want to lose the card all together!

Amazon Store Card CLI Declined - Asked for some LUV on my GECRB Amazon Card since it's been 4 statements since my last increase, but got the "We cannot increase your credit limit at this time" message. I've had some weird luck with this card. Instant approval $700 back in May of 2013, asked for a CLI in December after my mortgage started reporting, and they upped me to $850...my skill level and interest in photography is growing quickly, and I can't get the camera I want for $850! Barely even a lens for that amount!! Next time I might call in, I've heard some have had luck with that!!

Now trying some luck at a SP Gander Mountain Card and Fuel Rewards Network Card - Haven't had any luck yet with the pre-approvals, and even with them, I've heard people mention that these may pull HP, so I'm still a bit edgy with that, haven't had the pre-approvals yet, so I guess I'll wait and find out! I've also read that they don't pre-approve you with these cards unless you're above a FICO 700, which only one of mine is right now.

Enter....The Garden!! Only SPs for the next year!! Looking to increase my current card CLs with SPs from now on!!

I seriously cannot express my gratitude enough to those of you on this site!! Even new poster's like myself make a big impact on knowledge!! You never know until you ask!!

[-Wade-]

---

@Tony275 wrote:

Hey all,

Just figured I'd share some random information as to what I've been up to lately, consolidating some information that took me a few days to gather!!

Cap1 EO Success!!

- Last week - 4/17 - I emailed the EO of Cap1 regarding my wishes to increase the credit line of my Cap1 Platinum (was at $1k with $39 AF) and also if they could remove my annual fee. On 4/18 I received a call from a nice gentleman from the EO saying the email had been forwarded to him and he would be handling my request. I called back as I was asleep when he called, got a hold of him and we went over my info, he told me I could ask for a CLI on the website, or he could submit a request for a manual CLI to the UW dept. I requested a manual CLI and was told it would take a few business days to hear back. I checked my mobile app on 4/21 and notice my credit line was bumped to $2k! I asked for $5k, but anything is better than nothing!! And the gentleman also refunded the $39 fee this time, but said it was a one time deal and he couldn't remove it permanently, but he hinted that I could call again next year after it hits my account again. (I'll be saving this number in my phone!) I'll try for some online LUV in 6 months - per the CSR's suggestion - and again in a year to see if my card can be upgraded!!

Also over the weekend I applied for a DCU card

- Still waiting to hear back any information on that, as I know a donation to an organization of choice is required for membership, I'll keep you updated on how that goes!! I'd like a card with a low interest rate!! Looking for their free credit score!

I applied for a pre-approved Walmart CC - was instantly approved with a $1100 credit line, main reason for this card is the TU08 score (even though I'm unsure if this is the same score Discover now gives monthly, I've read different opinions on this, we'll see!), if nothing else, I shop at Walmart regularly (even though I'm a Target employee, shh!) and this might come in handy during a tight wallet week!

Tried for some luv on my Discover IT ($1900 CL) on 4/21

- Automated page online gave me the "Cannot be processed at this time" message so I called in, asked for a raise to $5k (only if I could do so without a HP) and the very friendly CSR told me it was declined with a SP but they are doing more and more automated CLI's lately, so we'll see if maybe my request triggered some luv! I was originally approved for this card in April of 2013 for $1200, given an automated SP to $1500, then another 3 months later to $1900 in December. I figured since I'm at my year anniversary with them I'd get some luv, but I was wrong! I'll try again in 90 days!

Also recently I applied for a Chase Amazon card - instant $1k approval (my mortgage is through Chase, as well as my Chase Freedom ($2k))

Had some great success with my GECRB Lowe's card!

- Applied online not knowing about the instant CLI's they give, was instantly approved for $700....great...what am I going to improve on my new house with $700? Definitely not the fence I need!! Co-worker said he applied at the store, was approved for $1500 with a pending purchase of $6800, his associate told the cashier at Lowe's he needed at least $6800, she hit some buttons and he was given a CL of $7K!! Needless to say, I was a little upset I couldn't get the same love from my online application! Found the backdoor number on here, called in, took 2 mins and I got a CLI to $5k!! Wishing I would've asked for more so I don't kill my utilization with my $3k+ fence project!!

Best Buy Credit Analyst Success!

- A few weeks ago I called the Citi Credit Specialist line and was on the phone for a total of about 30 mins, the very polite CSR took my information, placed me on hold for about 10-15 mins, then again for another 5 and she told me she had incresed my CL to $9k! From $5k (I've had the $5k limit since opening 5 years ago)!! Next project is to call and see if I can have my co-signer removed from my account as my mom cosigned when I was 18 on this card! I'll wait until I have some of these inquiries fall off for that, I don't want to lose the card all together!

Amazon Store Card CLI Declined - Asked for some LUV on my GECRB Amazon Card since it's been 4 statements since my last increase, but got the "We cannot increase your credit limit at this time" message. I've had some weird luck with this card. Instant approval $700 back in May of 2013, asked for a CLI in December after my mortgage started reporting, and they upped me to $850...my skill level and interest in photography is growing quickly, and I can't get the camera I want for $850! Barely even a lens for that amount!! Next time I might call in, I've heard some have had luck with that!!

Now trying some luck at a SP Gander Mountain Card and Fuel Rewards Network Card - Haven't had any luck yet with the pre-approvals, and even with them, I've heard people mention that these may pull HP, so I'm still a bit edgy with that, haven't had the pre-approvals yet, so I guess I'll wait and find out! I've also read that they don't pre-approve you with these cards unless you're above a FICO 700, which only one of mine is right now.

Enter....The Garden!! Only SPs for the next year!! Looking to increase my current card CLs with SPs from now on!!

I seriously cannot express my gratitude enough to those of you on this site!! Even new poster's like myself make a big impact on knowledge!! You never know until you ask!!

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Congrats on your success

[Tony275]

Forgot to mention, opened the Cap1 account in January!

[CreditMagic7]

Enter....The Garden!! Only SPs for the next year!! Looking to increase my current card CLs with SPs from now on!!

I seriously cannot express my gratitude enough to those of you on this site!! Even new poster's like myself make a big impact on knowledge!! You never know until you ask!!

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Looks like you're progressing along nicely and indeed "knowledge" is KEY in making any serious headway in all this.

Amazon started me out at a modest $600 and it's still pretty new for me to even chance what i already know would result on a CLI request for it at this time.

Anything in the Affirmative from the Cap1 EO camp you just have to chalk up as a plus!

Congrats!

[gdale6]

Nice, congrats to your continued success

[alvon123]

congrats

[Tony275]

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Looks like you're progressing along nicely and indeed "knowledge" is KEY in making any serious headway in all this.

Amazon started me out at a modest $600 and it's still pretty new for me to even chance what i already know would result on a CLI request for it at this time.

Anything in the Affirmative from the Cap1 EO camp you just have to chalk up as a plus!

Congrats!

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Thank you!! Sometimes my fingers on the computer get a little more antsy than my brain!! I've had some "oops" moments and retrospect is always 20/20!! But I can't complain where I'm at, for my stupidity when I was 18 and brought on an unncessary $140 collection that has made it difficult for me to obtain my mortgage, but I'm 22 years old, and a homeowner, and not drowning in debt!!

And a side note, I just called to cancel my FreeCreditScore.com (My primary source of credit reports), from my $17.99/mo rate, she lowered me to $4.50/mo for 5 years! Not bad!!

[SunriseEarth]

Congrats on all successes!

As for Amazon, mine has been stuck at $700 since July.  Arg!

[Tony275]

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@SunriseEarth wrote:

Congrats on all successes!

As for Amazon, mine has been stuck at $700 since July.  Arg!

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Frustrating isn't it?! Hopefully when my GECRB Lowe's reports for a few months they'll give in a little!! I like to have MORE than I need so I don't ruin my util %!

I bought a cheap lens for my current camera and brought my util on Amazon store card to 48%! 

[coldnmn]

Congrats! Thanks for sharing.