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Capital one in giving mood!!!!

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lg8302ch
Senior Contributor

Re: Capital one in giving mood!!!!

Congrats on your increases...nice going Smiley Happy

Message 21 of 35
dominow
New Contributor

Re: Capital one in giving mood!!!!

thanks for posting about cap one. i went after reading your post. i was given  an 8k bump. now at 9.5k thanks

Message 22 of 35
alvon123
Super Contributor

Re: Capital one in giving mood!!!!

congrats


Message 23 of 35
phumanr
Frequent Contributor

Re: Capital one in giving mood!!!!

Traveler,

 

How many total capital one accounts to you have? Curious...I have 3 and wondering if I can apply for the 4th one. I have two platinum and 1 sony. I am interested in applying for quicksilver. 

 

Phumanr

Message 24 of 35
pembrokepride
Contributor

Re: Capital one in giving mood!!!!

Congrats OP. After reading this I went and tried it expecting the denial I always get. I got a 2k bump ready to dance!!

In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
Message 25 of 35
gmason
Contributor

Re: Capital one in giving mood!!!!

$5k bump from $7.5k to $12.5k

 

After being denied at least 3 times in last 6 months, nice bump this morning on my CapOne QS through website. I was always denied before for low usage. Thanks all for the heads up. Just pulled EIDT and no hard pulls anywhere.

Message 26 of 35
traveler2005
Established Contributor

Re: Capital one in giving mood!!!!


@efranklin23 wrote:

@traveler2005 wrote:

I decided to log into my capital one accounts and see if I could get credit line increases. Capital one has been good to me in the past, giving me credit when I couldn't get it elsewhere.  Here are my results

 

1.  1000  to 1500  quicksilver one

2.  1000 to 1500   quicksilver one

3.   500  to 2500   platinum   and did a product change to quicksilver one. This surprised me because I had always been rejected on CLI before

4.   600  to 3600   platinum and did a product change to quicksilver one.   This surprised me because I had always been rejected on CLI before

 

I still have one card at 500.00 limit that I cannot get an increase on, it was an old card that was transferred from another company to cap one. Does anyone know why they wont CLI this card?

 

I have built my credit up and don't really need these cards but they really help my utilization, having been increased by $6000.00 in less than 5 minutes.

It has taken a long time, almost 3 years of plugging along down the credit road, but now with increased limits, and having added AE and Chase to my wallet in the past 6 months. I feel like I am heading towards the right direction.

 

I owe it all to My fico! 


Congrats on the CLIs! And was that old company that became CAP1 Orchard Bank by any chance?


Yes, it was an orchard bank card, 2 other orchard bank cards got the big increases, but this card wasn't eligible. I believe I know why. Before Christmas I requested an increase, was denied, but they apparently gave me a $100.00 increase without my knowledge, so it hasn't been 6 mo. I emailed the EO about that card and my sony card that has only had 1 increase in 2 years. Hope to hear from them this week.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 27 of 35
traveler2005
Established Contributor

Re: Capital one in giving mood!!!!


@dominow wrote:

thanks for posting about cap one. i went after reading your post. i was given  an 8k bump. now at 9.5k thanks


Congratulations on your increase!!!!   Hopefully you will have a 5 figure card soon!!!!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 28 of 35
traveler2005
Established Contributor

Re: Capital one in giving mood!!!!


@phumanr wrote:

Traveler,

 

How many total capital one accounts to you have? Curious...I have 3 and wondering if I can apply for the 4th one. I have two platinum and 1 sony. I am interested in applying for quicksilver. 

 

Phumanr


Hi 

 

I had 2 cap one cards and 1 sony cards, I had 3 orchard bank cards, which were changed to cap one platniums. I was working on possibly closing a few of them because of no increases, when I decided to give it a try for increases. After Product Changes, I will have 4 quicksilver one's, 1 sony, an 1 plat visa the later 2 are the ones that I didn't get increases on. Contacted EO will see what they say.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 29 of 35
traveler2005
Established Contributor

Re: Capital one in giving mood!!!!


@phumanr wrote:

Traveler,

 

How many total capital one accounts to you have? Curious...I have 3 and wondering if I can apply for the 4th one. I have two platinum and 1 sony. I am interested in applying for quicksilver. 

 

Phumanr


I think you can only have 2 cap one cards, you can get other co-branded cards but I think that 2 regular cap one cards are the limit unless you have the situation that I had with them buying out orchard. Try and do a product change on your cards, I just went on the cap one web site, and hit the chat button, took less than 5 minutes





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 30 of 35
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