Cap1 CLI

[dpr73]

What is this backdoor number. I have had Cap 1 card for 2 years and only have 500 limit. When i call them for CLI they come up with BS. Won't even give a interest rate reduction! They are ridiculous

[Anonymous]

There are probably several account specialists phone numbers, but this is the one I've been using:

800-889-9939

[Anonymous]

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Badcreditguy wrote:

all a person needs to do is follow the advice on this forum and you can improve your credit....I paid a credit repair company 2 yrs ago 500.00 for credit help, and I didnt see this much improvement with them.

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Great testimonial about how educating one's self and doing the legwork on your own works much better than paying someone to do what you can do yourself

[Anonymous]

I called  regular number  and they said no to my cli  someting about conservitive lender blah blah blah but when i called the number listed on here they went ahead and gave me cli i think thats funny one number says no but the other says yes nad gives you a cli i guess that really is a back door number.

[Anonymous]

how long should I wait before asking for another cli?

[Anonymous]

I was told CLI wait 2 months ask for APR reduction then 2 months CLI (if it does not happen automatically)

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@Anonymous wrote:

how long should I wait before asking for another cli?

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[Anonymous]

Nice.  $4000 CLI to $7000.  Thanks to all

[Anonymous]

Just noting my experience with a Capital One Gold Card...

Called the main number and spoke to an "Account Specialist" and got the canned response (not eligible, monthly reviews etc...)...

Called the back door number and got a Senior Account Supervisor and got shot down as well, but - at least I got some information on why...

The card started as a $500 card, then raised to $1000. I've had the card for 6 years and according to the SAS - it has an upper limit of $2k (which I find strange since the website lists it at $300-$3000). She mentioned that when I got my first CLI, it changed the card over from a Gold card to a Platinum card.

As for me - scores are 660-683 (high 500's 8 months ago), 1 judgement listed, 2 Charge Offs in the past 2 years, but no lates on this particular card in 2 years.

She asked me to give the process another month or two to give them some time review the account one more time. She also told me to call in December and ask for the membership fee to be waived (which I plan on asking to be removed completely when I get that CLI).

So guess, I'll just go app for a better CAP one card and see about getting them combined in the future...

They won this battle...but the war still wages on...

[Anonymous]

Just another quick update...app'd for a C1 Platinum (the offering for "credit that needs improvement") and got shot down...

BUT!...

I qualified for a ...

(wait for it).....

....Prepaid Mastercard!!!! wooooOOOOoooOOoooo (sigh)

Went back to my bank's website (HSBC) app'd for a Platinum Rewards Plus card and got approved for a $2500 TL in under 5 minutes...What gives!!!

So credit cards I have now:

Cap 1 Platinum $1000, 6 years old
HSBC Discover Network Card $2500, 3 mos old
HSBC Platinum Rewards Plus Card $2500, 30 minutes old

Goal is to shoot for 10k right?

btw - with the help of this forum, I've spent the last 6 months cleaning up my debt picture...

$0 balances across my cards
Motorcycle's paid off a year early
$900 in student loans
All judgements and collections satisfied or in DV process

Cheers

Message Edited by Mochaboy on 11-14-2007 11:42 AM

[CreditDrama85]

when i called the number and asked for a cli, i was asked questions like what other credit cards i carry and what the balances were

what is the point of this? then i was told to look for something in the mail, and the quicker i responded...the better. huh? what?

has this happened to anyone? my cl is still the same btw

Message Edited by CreditDrama85 on 11-14-2007 09:48 AM