Cap One Cards Question

[atarvuzdar]

Hi all,

I have two Cap One cards.

Platinum rebuilder w/ $500 CL with 22.90% interest from Feb 2011, $39 AF

 and

No Hassle Rewards w/ $500 CL with 18.90% interest from Dec 2011, $39 AF (Credit Steps increase to $750 is scheduled for late spring/early summer)

So my question is regarding the Platinum rebuilder.

I know Cap One is very stingy with CLI's and with granting requests in general. Has anyone had success with getting a CLI on one of their Cap Ones by mentioning the higher CL on another Cap One that they may have? What about getting a lower APR to match the card with the better APR, or at least get closer to it? Waiving annual fees?

Also, if I wanted to call to make any or all of the above requests, would it be better for me to do it before or after the anniversary date in February?

Thanks!

[Anonymous]

I don't have any experience with Cap One, however, why not just call and ask? If you don't want a hard, tell them and nothing bad can come of it.

[pizzadude]

Cap1 does not accept consumer~initated credit line increase requests for the majority of their cards.   

[CS800]

Cap one doesnt care even if you tell them you have a BCE at $25k. Its what their 'system' tells them to do.

[Carlile92]

Well this is the verdict on cap one cli THEY JUST DON'T EXIST lol and if they did it would be a measly increase I had a secured card with 200 limit and I ran over 800 a month I. Expenses through it and when I closed it and got a no hassle rewards they stuck me with 500 cl but I guess I'm part of the lucky bunch because I have no af on it and my credit steps program goes from 500 to 750 then on 10th statement it will go to 1250 but have a ceiling of 3000 on it but I spoke with very nice non Peggy credit analyst and he told me that yes my card is a rebuilder but from what he sees it is one of the rebuilders that will grow because I don't have bad credit just short credit and he said that don't be suprised that I get offered the venture card after a year