CapOne EO response times?

[Klesko]

I emailed them on Friday and someone from the EO called me Monday and asked me the general questions. I requested a CLI on all 3 of my cards, she told me it would take 2-3 days. I logged in today and saw they credited me my AF on all 3 of my cards but no limit increase. I dont know if this means they declined me or the EO person just did that and the UW still needs to review my file for the CLI. 

[Anonymous]

Does CapOne typically pull from TU, does anyone know?

[Anonymous]

In my experience, when they do a HP, they typically pull from all 3. 

[Anonymous]

They definitely haven't gotten to me, then. I've seen nothing pop up from any CRAs. The longer I wait, the more I think I just want to cancel the secured card and deal with what I have for now. I wonder if they'll let me roll my secured deposit over to pay my Quicksilver balance?

[Klesko]

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@Anonymous wrote:

They definitely haven't gotten to me, then. I've seen nothing pop up from any CRAs. The longer I wait, the more I think I just want to cancel the secured card and deal with what I have for now. I wonder if they'll let me roll my secured deposit over to pay my Quicksilver balance?

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I know the feeling. I have 3 cards all around 1-1.5k limit and I have 15k+ limits now. I would just close them but they are my oldest cards since I started rebuilding. I was able to get the EO to remove my AF, if I can do that every year I might just keep them a few more years. 

[Anonymous]

Man, I'd love to see limits that high one day, but that also scares the snot out of me. Looks like 1k is my top limit for a while, which makes it hard to keep the utilization low since I use them for recurring charges (and fraud protection on certain accounts).

[Anonymous]

Cap one finally got around to pulling my oddly denied app for a closer inspection. I got two credit alerts from FICO that there was a new credit inquiry to my credit report. (TU and EX). She pulled my initial app from the beginning of January. Why on earth did they need another hard pull? Dammit. I didn't need another inquiry on there, I had too many already. Grrrr. 

[Anonymous]

Holy cannoli! I watched all the hard pulls on the CRAs come in and plummet my score. I was waiting for the inevitable thanks but no thanks. I saw an email come in moments ago, approved for a new cap one card, 3k limit! And an automatic CLI with 5 on time payments. Who hoo! Interest rate stinks, but I don't carry balances, so I'm not worried about it. And no AF! Yay! The EO email works! Slowly, but it works!