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I have 3 CC accounts with Cap 1 all opened in between Feb. 2002 and Oct. 2002. The first account was opened with Cap1 and had a limit of $600. The other 2 were opened with Household and were acquired by Cap1 years ago have limits of $1500 and $1400.
Over time these cards have went through periods of use and at other times sat idle. Sometimes carried a balance and other times paid off. Through it all never missed a single payment. I even tried putting $1500 a month though the $600 card and making weekly payments. No CLI increases. So the card just sat unused as an AoA anchor.
They never gave me a CLI either auto or Love button, always one excuse or another. At least until this week. I hit the love button on all 3 and these are the results.
$600-$1600
$1500-$1600
$1400-$1550
14 years of perfect history and this is what they give.
In contrast I apply with NFCU this week and I START at $17600 and a $15000 CLOC.
Guess where my loyalty will lie.
If I were you, I would call the EO. Worth a shot at least..
@Anonymous wrote:If I were you, I would call the EO. Worth a shot at least..
I agree.
I agree with others on the old card issue, but my advice (take it how ever you wish) is to apply for the Venture or QS and I bet you get a SL of $10-$15k. Seriously...Its the old cards they don't like, but I would almost bet they would hand you a minimum $10k card...Ive seen happen here so many times.......
@pizza1 wrote:I agree with others on the old card issue, but my advice (take it how ever you wish) is to apply for the Venture or QS and I bet you get a SL of $10-$15k. Seriously...Its the old cards they don't like, but I would almost bet they would hand you a minimum $10k card...Ive seen happen here so many times.......
I agree with Pizza. I'm one of those stories!
Sounds like you've outgrown Capital One.
While Capital One has a few good cards (Quicksilver, Venure, and Spark 2% cash back for Business), most of Capital One's base is for those who are rebuilding credit. For those with a good to great credit score, I don't see why people in those categories [good/great] would want to do business with Capital One when there's better companies to do business with instead.
For example, I'm sure American Express or Chase would love to have you as a member for one of their top teir cards with a 10-20k limit... Sapphire Perferred gets you a direct person and superior customer service when you call the number on the back of the card, and of course most people know how good AMEX's customer service is. Why would you want to use a Capital One card if you qualify for a product that is much better?? I would just sock drawer your Capital One card(s).
@pizza1 wrote:I agree with others on the old card issue, but my advice (take it how ever you wish) is to apply for the Venture or QS and I bet you get a SL of $10-$15k. Seriously...Its the old cards they don't like, but I would almost bet they would hand you a minimum $10k card...Ive seen happen here so many times.......
This ia actually my plan. It actually turned into a game it was so comical. I held on to them for AoA. At the end of the year I will try for CSP before I hit 5/24 and the PenFed and early next year get a Venture and then combine the credit lines. I'm sure with my higher lines reporting they will be more generous.
And I understand that Cap1 and NFCU are different but to keep a card at $600 for so long is just insane.
It just goes to show that all issuers have holes in their profiles that we can fall into and it's like trying to get out of quicksand.
@Anonymous wrote:Sounds like you've outgrown Capital One.
While Capital One has a few good cards (Quicksilver, Venure, and Spark 2% cash back for Business), most of Capital One's base is for those who are rebuilding credit. For those with a good to great credit score, I don't see why people in those categories [good/great] would want to do business with Capital One when there's better companies to do business with instead.
For example, I'm sure American Express or Chase would love to have you as a member for one of their top teir cards with a 10-20k limit... Sapphire Perferred gets you a direct person and superior customer service when you call the number on the back of the card, and of course most people know how good AMEX's customer service is. Why would you want to use a Capital One card if you qualify for a product that is much better?? I would just sock drawer your Capital One card(s).
I actually have the Freedon and Freedom Unlimited and will try for the CSP at the end of the year.
I guess it's my stubborn side. I figure I'm just going to outlast them LOL
Maybe the Venture next year.