Cap One fail

[tcbofade]

So I tried the "chat" option for requesting a line increase.  (If I go through the normal process, I get generic denials...)  I was HOPING that chatting with a person would be benificial....

"Austin" at Capital One Chat said, "We have given credit limit increase option online due that reason I can submit the request for you."

I asked him if someone who spoke English was available, and waited eight minutes with no response, then gave up.

I miss the EO...

[kdm31091]

Submitting through the agent won't make any difference anyway. It goes to the same computer decision process. The EO won't do manual CLIs anymore anyway, presumably because capital one is happy with whatever algorithm they've decided on.

[RonM21]

Unfortunately online, the CLI link is the only option at this point.

[creditguy]

When was your last CLI?!

[Anonymous]

Then good thing the EO no longer works lol

[tcbofade]

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@creditguy wrote:
When was your last CLI?!

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Can't remember.  Not since the transition, I know that.  Three of my six cap one cards used to be Orchard / HSBC.  None of them have seen a CLI since cap one took them over.

[tcbofade]

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@Anonymous wrote:
Then good thing the EO no longer works lol

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Why is that good? 

[Anonymous]

Because it was an abused system.

[takeshi74]

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@tcbofade wrote:

So I tried the "chat" option for requesting a line increase.  (If I go through the normal process, I get generic denials...)  I was HOPING that chatting with a person would be benificial.... 

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Method of request doesn't change your credit profile or income.  If you want a CLI and you're not getting them then review your reports, idenitfy the issues and address them.  Don't rely on quick fixes.

[MyLoFICO]

Dang, harsh responses. Lol. I would elaborate but I don't want to get banned. Again.

Are any of your cards still in credit steps?