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Crapital one here we go again...

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Anonymous
Not applicable

Crapital one here we go again...

So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone
Message 1 of 43
42 REPLIES 42
myjourney
Super Contributor

Re: Crapital one here we go again...


@Anonymous wrote:
So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone

TwinGirls I told you this before send an email to EO and give up on the regular CSR they just read you a script which ends in no...send you PM 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 43
tattooedhusker
Established Contributor

Re: Crapital one here we go again...

+1

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 3 of 43
Cleanmachine
Frequent Contributor

Re: Crapital one here we go again...

I am not a fan of Secured Credit Cards.

 

I understand they may be necessary in some cases.

 

With that said, I would close this account.

Message 4 of 43
SLR72689
Frequent Contributor

Re: Crapital one here we go again...

Same thing happened to me and I emailed the EO and was approved for a CLI.

Message 5 of 43
qd
Regular Contributor

Re: Crapital one here we go again...

I'd keep it just 'cause of AAoA, but definitely email EO and get CLI that way if you have good payment history with the card.

Message 6 of 43
tattooedhusker
Established Contributor

Re: Crapital one here we go again...


@Cleanmachine wrote:

I am not a fan of Secured Credit Cards.

 

I understand they may be necessary in some cases.

 

With that said, I would close this account.


I don't think this is a secured account

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 7 of 43
Anonymous
Not applicable

Re: Crapital one here we go again...

My journey thank you soo much, going to email them right away and keep you guys posted. Someone mentioned secured card, this is just a regular credit card not secured.
Message 8 of 43
LS2982
Mega Contributor

Re: Crapital one here we go again...


@Anonymous wrote:
So today I felt like seeing if I could get a credit increase on my 300 dollar crapital one card. Spoke to an account manager, explained to her how i did not feel like paying 19 dollars a year on a 300 dollar card. She soft pulled me, and i was denied a credit increase. Giving the cards i have now, should i just close this card, its my oldest account along with boa at a year and a couple of days... Input anyone

How long has this card been open???




EQ FICO 548 3/3/16
Message 9 of 43
myjourney
Super Contributor

Re: Crapital one here we go again...


@Anonymous wrote:
My journey thank you soo much, going to email them right away and keep you guys posted. Someone mentioned secured card, this is just a regular credit card not secured.

Yay thats what I want to hear I think you will find a happy outcome and you know i have my fingers crossed 

No personal info if you email just why you should be given a CLI  and a phone you can be reached at

Hint best customer always pay would like to use more etc etc ...lol you get the idea 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 43
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