Capital One Credit Limit Increase

[DI]

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@joestay wrote:
Okay, so whatever I get billed on my monthly statement is what goes on the credit report, not the utiliation at the end of the month?

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If you have a $1000 CL and charged $900 and paid $800 before the statement generated, only $100 balance will report.  

[joestay]

Thanks DI.  You all have been helpful.  Did you guys call the 7070 number or the backdoor number when you asked for the CLI?

[DI]

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@joestay wrote:
Thanks DI.  You all have been helpful.  Did you guys call the 7070 number or the backdoor number when you asked for the CLI?

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I called the 7070 number. The CSR at the backdoor number aren't any help.  The last time I called the backdoor number, the rep told me my card was a K-Mart card.  Foolish!!

Message Edited by DI on 01-31-2010 08:38 PM

[laz98]

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@DI wrote:

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@joestay wrote:
Thanks DI.  You all have been helpful.  Did you guys call the 7070 number or the backdoor number when you asked for the CLI?

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I called the 7070 number. The CSR at the backdoor number aren't any help.  The last time I called the backdoor number, the rep told me my card was a K-Mart card.  Foolish!!

Message Edited by DI on 01-31-2010 08:38 PM

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wow, i'd say that's an all-new level of incompetence!!!

[lhova2000]

Cap one stinks, I've had the card for about 7 years, never been late and I'm stuck on 500 limit I started the card as a secured card cause my credit sucked, try to get a cli but they weren't trying to hear it.. Now my credit score is 775 and they wont factor that for a CLI. It's my oldest and only "major" credit card so I guess I'm stuck with it and the AF.. i'm hoping to get an Amex blue cash or Chase Saphire and hopefully with my scores and income they will give me a real limit.. Any advice on those cards?

[Paxx]

Capital one has been very good to me.  They gave me unsecured credit when no one else would and I've had them now for about 4 years or so now.  I was stuck stagnat at $750 forever it seemed but out of the blue I logged into my account and saw that my limit with $4500.  They increased my limit without a request making the card my largest limit credit card (next highest is $1800).

I almost closed the account before thinking it was a dead end card but decided to just let it keep aging for the tradeline. Glad I didn't because now with that limit when I go shopping for prime credit it should be easier. Not sure when I will be ready to shop again though/ I havn't apped for a card in well over a year now and have no use for additional credit.  Nice to know that I should be able to get a higher limit card now though - all that credit rebuilding really paid off.

[lhova2000]

Paxx what are your credit scores? Cause mines are in the high 700's and they wont give me more credit

[johnosonc]

I called backdoor escalations and was told they are not approving credit line increases for any one right now, but that you may do better to apply for another card. 

[DI]

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@johnosonc wrote:
I called backdoor escalations and was told they are not approving credit line increases for any one right now, but that you may do better to apply for another card. 

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+1  Scores are not a determining factor in getting a CLI.  We are  stucked with old cards and the only way out is applying for a new one.  Not happening with me. 

[Kiwill]

+2

Another card [not Cap1} is the only option.