@TRC_WA wrote:
@PlasticOrPlastic wrote:
@TRC_WA wrote:Thanks for the response. I read a few threads here and contacts via social networking has been recommended... people have said to send them a Facebook message and you'll get a call back so I just did.
Will let everyone know what happens...
Mine are SD'd, got tired of contacting the EO everytime I wanted to do something. My other cards handle these type of requests right over the phone and in less than 5 min. To me the 1.5% CB isnt worth it for having to jump through hoops with Cap1. My card is sitting at 2k now after almost 4 years and 3-4 emails and convos with the EO...I'll take the 1% CB + 5% categories and Shopdiscover bonus I get on IT anyday...not to mention I've gone from $800 to $3000 with Discover in 3 months.
I agree. The 1.5% cash back isn't worth it to me either. Still... I will give it a go and see what happens on the recon.
I sent them a Facebook message about 30 mins ago and just got this response:
Thanks for reaching out to us. We'd like to take a look into this further for you to assist. Can you provide us with the decline reason along with your zip code so we can research this further? Thanks! ^JD
I replied with pretty much with the 1 inquiry in 6 months and said I believe my low card usage to be responsible... Basically what I said earlier in this thread.
Will see what they say... If nothing else I'd like an increase for UTI but did tell them I would definitely increase my usage with a higher limit.
BTW what is SD'ed?
Well good luck to you on that one! I hope they offer you something that makes you happy.
SD is sock drawer, meaning put away and not using it 
Ahhhh ok LOL....
I'd be happy with $3000 but would take $2500. Will post back.
I'll give them credit for being fast on the Facebook responses...
Just got this message....
Thanks for the info, TRC_WA. We're going to forward your concerns to a group that can assist further. We'll be in touch once we have more information. Thanks for your patience! ^JD
I'm assuming they are talking about the EO?
@TRC_WA wrote:Today marks the 12th statement cut on my $1500 CapOne card... the first card I got a year ago shortly after my Ch 13 discharge. The card started at $1000... credit steps increase to $1500 at statement #6... so here we are 6 months later and I thought I'd try for a CLI. I've read that CapOne only gives increases every 6 months.
Anyway... I hit the love button this morning and got a message that I would be sent a letter. I called one of the recon numbers listed here (800-625-7866) and to my surprise I got an agent who barely spoke english and kept referring me to their automated CLI system.
This evening I got an email saying that I had a document waiting... so I log in and read this:
Dear TRC_WA,
May 28, 2014
Information about your account ending in XXX
Creditor: Capital One Bank (USA), N.A.
P.O. Box 30285
Salt Lake City, UT 84130-0285 1.800.219.7935
You recently requested a credit line increase for your Capital One® account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why:
Recent use of this account's existing credit line has been too low
Too many recent inquiries
Hmmmmm... define "recent"... a year ago? I've had 1 inquiry (auto refi) in the last 6 months... about a dozen or so inquiries dated 6-12 months ago from when I opened the CC accounts you see in my sig.
I laughed at the low credit line usage part... I ran the balance up to $900 back in October... made a couple payments then transferred the balance to my BECU card. Since then I've made small purchases around $75 a month and PIF. I've done that for 6 months.
I'm tempted to call them and tell them that the reason BECU gets the majority of my CC usage is because they gave me a nice limit and I can run $2000-$3000 a month through that card... get points for it and not hurt my FICO score.
@I suppose I should reconsider and max out CapOne every month for their $20 a month @ 1.5% cash back?
I dunno... I'm half tempted to close CapOne... the $1500 and $750 cards have served their purpose.
Should I recon? Any chance I get someone that speaks english?
Mine goes somethin like this.....opened 11/12 at 500, on 5/13 via credit step bumped to 1500, on 5/14 this month requested 4K via EO, only granted 500.
So after 18 months since opening, i'm at 2000
@PlasticOrPlastic wrote:
@TRC_WA wrote:Thanks for the response. I read a few threads here and contacts via social networking has been recommended... people have said to send them a Facebook message and you'll get a call back so I just did.
Will let everyone know what happens...
Mine are SD'd, got tired of contacting the EO everytime I wanted to do something. My other cards handle these type of requests right over the phone and in less than 5 min. To me the 1.5% CB isnt worth it for having to jump through hoops with Cap1. My card is sitting at 2k now after almost 4 years and 3-4 emails and convos with the EO...I'll take the 1% CB + 5% categories and Shopdiscover bonus I get on IT anyday...not to mention I've gone from $800 to $3000 with Discover in 3 months.
I agree as I have found this out myself.....I'm at 2000 as well after measley 500 increase this month.(asked for 4K).
Have had this acct for 18 months now.
@bk510 wrote:
@PlasticOrPlastic wrote:
@TRC_WA wrote:Thanks for the response. I read a few threads here and contacts via social networking has been recommended... people have said to send them a Facebook message and you'll get a call back so I just did.
Will let everyone know what happens...
Mine are SD'd, got tired of contacting the EO everytime I wanted to do something. My other cards handle these type of requests right over the phone and in less than 5 min. To me the 1.5% CB isnt worth it for having to jump through hoops with Cap1. My card is sitting at 2k now after almost 4 years and 3-4 emails and convos with the EO...I'll take the 1% CB + 5% categories and Shopdiscover bonus I get on IT anyday...not to mention I've gone from $800 to $3000 with Discover in 3 months.
I agree as I have found this out myself.....I'm at 2000 as well after measley 500 increase this month.(asked for 4K).
Have had this acct for 18 months now.
I find after the EO/Social contact your next luv button increase is pretty good comparatively. I don't know if they reset a setting or something, but it's usually better after that and allows your CL to grow -- with continued usage.
@KennyRS wrote:
@bk510 wrote:
@PlasticOrPlastic wrote:
@TRC_WA wrote:Thanks for the response. I read a few threads here and contacts via social networking has been recommended... people have said to send them a Facebook message and you'll get a call back so I just did.
Will let everyone know what happens...
Mine are SD'd, got tired of contacting the EO everytime I wanted to do something. My other cards handle these type of requests right over the phone and in less than 5 min. To me the 1.5% CB isnt worth it for having to jump through hoops with Cap1. My card is sitting at 2k now after almost 4 years and 3-4 emails and convos with the EO...I'll take the 1% CB + 5% categories and Shopdiscover bonus I get on IT anyday...not to mention I've gone from $800 to $3000 with Discover in 3 months.
I agree as I have found this out myself.....I'm at 2000 as well after measley 500 increase this month.(asked for 4K).
Have had this acct for 18 months now.
I find after the EO/Social contact your next luv button increase is pretty good comparatively. I don't know if they reset a setting or something, but it's usually better after that and allows your CL to grow -- with continued usage.
hey thanks, thats a good tip I'll keep that in mind, also is this something you've experienced on ur card?
Like u said, before the EO thing, the cap1 luv button never worked for me, so yeah i hope u r right.....thanks
I sent a follow up Facebook message this morning and got this reply...
Hey TRC_WA! Since this is a manual review it may take a few days. Generally we suggest 5-7 business days. We will let you know once we have an update. ^BT