CAP One FB Success (partially)

[CenturyChild]

So I sent CapOne a PM through facebook about my QS card.

They called me 2 days later.

I told the lady (who was very nice and understanding BTW) that I had just closed my Secured card, and was interest in making my QS card a bit easier to use, which was only 10 months

I simply stated my case, payment history with them thus far, and explained it was the only card I had with a AF. But it was also one of my most used cards but my limit hindered my spending habits, and multiple payments per month was a real hassle.

She removed the AF right then and there!!   Then said she had to submit my account for manual review in regards to a CLI and that it could take 3-5 days. She also asked if I would take less than requested if needed and I said yes.

Not exactly sure what the chances of a CLI are (I did get a credit step increase at the 6 month mark) but I suppose moving to no AF is a win worst case scenario. I doubt they'll increase it now though.

Anyone know how successfull the FB route is for CLIs?

[roniram]

I went through FB and was able to get my legacy Orchard Bank card increased to from $600 to $1000.  I also had a new Capital One Rewards increased from $500 to $1000, that was under Credit steps after 4 months, then they increased it to $1500 at the 6 month mark, and they switch it to QS One  So, you definately have a chance.

[CenturyChild]

Great News. I'll hope for the best. 

With any luck I'll know something today or tommorow. It was thursday when she called me. 

[CenturyChild]

YAY!!!

Cap One just got back to me.  They gave me a CLI to $1500 on the QS (It was $750)

Not a huge line, but Im happy with it and plenty for that card.

Went from a QS with a $39 AF and $750 limit to $0AF and $1500 limit.

Had the card less than a year, about 10 months now if that matters. But do have other accounts with them.

[striehl8212]

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@CenturyChild wrote:

YAY!!!

Cap One just got back to me.  They gave me a CLI to $1500 on the QS (It was $750)

Not a huge line, but Im happy with it and plenty for that card.

Went from a QS with a $39 AF and $750 limit to $0AF and $1500 limit.

Had the card less than a year, about 10 months now if that matters. But do have other accounts with them.

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Congrats!! Nice work!!

[gdale6]

Grats on getting the AF taken care of... Have heard of some success by going theu FB, best bet is the EO though.

[roniram]

Congrats!  Yes, the Capital One EO is great to work with. I'm happy you were able to get your increase.

If it wasn't for MyFico, I would have never know about how to actually get an increase after initially being denied.  The person I spoke to told me to give them a call back in a few months and they might consider raising my limit further.  Had some financial setbacks that caused my util to go through the roof, but after I get it back down, I'm definately going to use that channel again. 

[alvon123]

congrats