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It was 6 months for me
I'm actually in the same boat.
I have a few accts linked to my Cap1 account to pay and by mistake, choose the wrong one (it was a big 10k payment and of course I choose the one that didn't have enough funds). It was returned a few days later and as soon as I noticed it, paid it right away w the correct account.
CLI was recently denied for the same reason as you.
I read some old topics about being able to get the EO office to clean up this 'mark'. Does anyone know how to get in touch w Cap1's EO?
Not sure what that entails exactly. Is there an email I could try?
I've tried calling but the phone reps aren't helpful.
No offense but with a $10K returned payment, I highly doubt they’re going to remove that flag any time soon and I’m amazed they didn’t shut down your account for it.
If it were me, I would be looking for a card elsewhere.
@Anonymous wrote:No offense but with a $10K returned payment, I highly doubt they’re going to remove that flag any time soon and I’m amazed they didn’t shut down your account for it.
If it were me, I would be looking for a card elsewhere.
And things like this happening is probably the main reason banks wait for checks to clear before updating available credit. It would be catastrophic for them if they updated the CL, another $10K charge was ran through the card, that check bounced, and they could be out of $20K if this was a bust-out fraud scheme.
Thank goodness this wasn’t the case because it was repaid the following day.
I think it’s going to be a long while before this poster gets a CLI.