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Cap 1 backdoor success, anyone?

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pritchardhallhokie
Frequent Contributor

Cap 1 backdoor success, anyone?

I have tried back dooring Cap 1 a couple of times using the numbers listed on the sticky and I keep hearing that they are not able to do anything.  Has anyone had any luck with CLI w/ Cap1 using a backdoor number lately?

 

 

 

Thanks!!!!!!!!!!


Starting Score: 584TU / 580EQ
Current Score: 670 TU / 680EQ
Goal Score: 720 TU / 720 EQ


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Message 1 of 9
8 REPLIES 8
score_building
Senior Contributor

Re: Cap 1 backdoor success, anyone?

In general, Cap1 still does not offer customer initiated CLI.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 2 of 9
pritchardhallhokie
Frequent Contributor

Re: Cap 1 backdoor success, anyone?

Smiley Sad  Ok.

 

Thank You


Starting Score: 584TU / 580EQ
Current Score: 670 TU / 680EQ
Goal Score: 720 TU / 720 EQ


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Message 3 of 9
Anonymous
Not applicable

Re: Cap 1 backdoor success, anyone?


@score_building wrote:

In general, Cap1 still does not offer customer initiated CLI.


I actually had some luck!!  I had 4 Cap One accts and closed two before reading all the threads because they wouldn't offer a CLI and they both had annual or monthly fees. I called the backdoor number a couple weeks later and they said the same thing but then decided to try and submit for it anyway.  One of the accounts, the oldest one was not approved for an increase and the CSR said that it might just be a card that will NEVER receive one.  The other card is a no hassles cash rewards card,(started as a TJ Maxx card) was approved for an increase from $500 to $2000.  I had asked two weeks prior and was told that NONE of my accounts qualified!! So.... my point is that YES, the backdoor numbers can sometimes help with this and it is definitely worth a try.  BTW, the inquiry was a soft!  Smiley Happy

Message 4 of 9
Pushto700
Frequent Contributor

Re: Cap 1 backdoor success, anyone?


@Anonymous wrote:

@score_building wrote:

In general, Cap1 still does not offer customer initiated CLI.


I actually had some luck!!  I had 4 Cap One accts and closed two before reading all the threads because they wouldn't offer a CLI and they both had annual or monthly fees. I called the backdoor number a couple weeks later and they said the same thing but then decided to try and submit for it anyway.  One of the accounts, the oldest one was not approved for an increase and the CSR said that it might just be a card that will NEVER receive one.  The other card is a no hassles cash rewards card,(started as a TJ Maxx card) was approved for an increase from $500 to $2000.  I had asked two weeks prior and was told that NONE of my accounts qualified!! So.... my point is that YES, the backdoor numbers can sometimes help with this and it is definitely worth a try.  BTW, the inquiry was a soft!  Smiley Happy


Was the culmination of the interaction recently? Or before the credit laws kicked in and changes happened to the effect we see now?


Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)
Current Score: TU: 671 (3-10) 625 (4-10/Rebucketed)--EQ: 674 (3-10)--EX 630 (Lender 11-09)
Goal Score: TU: 750--EQ: 760


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Message 5 of 9
glamgoddes01
New Member

Re: Cap 1 backdoor success, anyone?

hello,

 

I have two cap1 cards both have very low limits. I just called cap1 to request a cli on 1 of my cards and was approved within minutes.

I used the number on the back of my card 800 955 7070.

 

Message 6 of 9
Pushto700
Frequent Contributor

Re: Cap 1 backdoor success, anyone?


@glamgoddes01 wrote:

hello,

 

I have two cap1 cards both have very low limits. I just called cap1 to request a cli on 1 of my cards and was approved within minutes.

I used the number on the back of my card 800 955 7070.

 


If you do not mind me asking, what is your history with Cap One...carrying any balances, what type of card(s), any AF's, and what are your overall FICO's like? What were you approved for ($$$) as an increase?


Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)
Current Score: TU: 671 (3-10) 625 (4-10/Rebucketed)--EQ: 674 (3-10)--EX 630 (Lender 11-09)
Goal Score: TU: 750--EQ: 760


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Message 7 of 9
Anonymous
Not applicable

Re: Cap 1 backdoor success, anyone?


@Pushto700 wrote:

@Anonymous wrote:

@score_building wrote:

In general, Cap1 still does not offer customer initiated CLI.


I actually had some luck!!  I had 4 Cap One accts and closed two before reading all the threads because they wouldn't offer a CLI and they both had annual or monthly fees. I called the backdoor number a couple weeks later and they said the same thing but then decided to try and submit for it anyway.  One of the accounts, the oldest one was not approved for an increase and the CSR said that it might just be a card that will NEVER receive one.  The other card is a no hassles cash rewards card,(started as a TJ Maxx card) was approved for an increase from $500 to $2000.  I had asked two weeks prior and was told that NONE of my accounts qualified!! So.... my point is that YES, the backdoor numbers can sometimes help with this and it is definitely worth a try.  BTW, the inquiry was a soft!  Smiley Happy


Was the culmination of the interaction recently? Or before the credit laws kicked in and changes happened to the effect we see now?


This was in September.  I had just gone on a mini app spree and was approved with $5k, $6k, and $10k credit lines and started to wonder if I could make any progress with Capital One.  If they hadn't worked with me, I would have closed that card too!!!    I really depends on the card and your credit at the time they open the acctl  That one was different than my others because it had been converted from a different kind of acct. 

Message 8 of 9
andre181
Established Contributor

Re: Cap 1 backdoor success, anyone?

Using the backdoor number, I got my apr lowered from 22.99 to 14.99, but no CLI like I want!

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 9 of 9
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