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@squeezycheeze69 wrote:Sorry for the delay, let me elaborate...
Yes, it is her oldest card, & thus it will be with her forever.
It isn't that we need more than $7500, it's the fact that every other creditor on the planet gives us better. & the rewards suck, but they won't let us change he program
to a new CC.
Basically, they fight us tooth & nail on everything we have ever assked for, so I am kinda on a mission.
It's not so much playing the "credit game", it's a personal vendetta against this **bleep** company to finally admit they are wrong.
What does her/yalls income look like? It may be that yeah you have other cards with $20k+ limits, but if your combined income is less than your total amount of available credit, Capital One has decided that they are not willing to extend any more credit for fear that you may over extend yourselves. I'm not saying this is the case, just an example.
I have been through the Capital One deal (oldest card, $1500 limit for 6-7 years, finally got a massive CLI through the EO), so I understand your frustration. Keep in mind though that no one is entitled to any amount of credit with any company, and they are not wrong for not extending more credit.
@squeezycheeze69 wrote:Sorry for the delay, let me elaborate...
Yes, it is her oldest card, & thus it will be with her forever.
It isn't that we need more than $7500, it's the fact that every other creditor on the planet gives us better. & the rewards suck, but they won't let us change he program
to a new CC.
Basically, they fight us tooth & nail on everything we have ever assked for, so I am kinda on a mission.
It's not so much playing the "credit game", it's a personal vendetta against this **bleep** company to finally admit they are wrong.
Any updates? Good luck!
Can someone please PM me the EO address, thanks.
@rob3gd wrote:Can someone please PM me the EO address, thanks.
Sent
@Revelate wrote:
Squeezy: this is actually not uncommon and it's not limited to Cap One. I know it's typically done by what product you have now, but other lenders have done so as well.
Chase was notorious for this on their default Freedom cards that they converted WAMU and most other acquired credit cards into. It's possible they've had over a hundred different versions and depending which one you got, dictated your product maximums and PC-ability (sometimes none) nearly a decade later in the WAMU example.
Lenders design some limitations into their products; it doesn't make much sense to us as the consumer, but it's reality.
An "anchor" card at $7500 is nothing to sneeze at. I know plenty of people who have similar with a 300-400 credit line.
If the EO helps, fantastic; however, if they don't, just let it go. It's seriously not hurting your wife's credit at all.
+1