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Do Authorized User CC's have less of a impact versus Individual Accounts.

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DaBall
Valued Member

Re: Do Authorized User CC's have less of a impact versus Individual Accounts.


@09Lexie wrote:
The front line analyst rarely credit/waive the fees or grant CLI's. Email the EO, they will call you back in a few business days.

PM sent

Apreciate the Info, PM responded too.

Chapter 13, Discharged 10/11
02/28/12 TU 595/ Eq 647/ Ex 647
01/30/13 TU 656/Eq 676
9/30/13 TU 694 EQ 687 Ex 727
10/25/13 Fico scores TU 740 EQ 680 EX 725
11/1/13 chapter 13 finally fell off EQ 702
Message 11 of 15
DaBall
Valued Member

Re: Do Authorized User CC's have less of a impact versus Individual Accounts.

Email fired off to EO of Capital one, Ill report back on what comes of it.

 

Thanks 09Lexie

Chapter 13, Discharged 10/11
02/28/12 TU 595/ Eq 647/ Ex 647
01/30/13 TU 656/Eq 676
9/30/13 TU 694 EQ 687 Ex 727
10/25/13 Fico scores TU 740 EQ 680 EX 725
11/1/13 chapter 13 finally fell off EQ 702
Message 12 of 15
DaBall
Valued Member

Re: Do Authorized User CC's have less of a impact versus Individual Accounts.

Update...

 

After filing a Email off to Capital One EO Last Friday i received a Call from them tonight, After about 20 minutes on the Phone, the Very Nice lady Credited my Account to offset the Annual fees for this Year, Upgraded my Cards to a "Silver 1" (which translates to 1.5% Cash back on all purchases) and verified my Information and presented it to Underwriting for a CLI on Both Cards. The Verification process is a Soft Pull and i should know something by Thursday of this week.

Chapter 13, Discharged 10/11
02/28/12 TU 595/ Eq 647/ Ex 647
01/30/13 TU 656/Eq 676
9/30/13 TU 694 EQ 687 Ex 727
10/25/13 Fico scores TU 740 EQ 680 EX 725
11/1/13 chapter 13 finally fell off EQ 702
Message 13 of 15
09Lexie
Moderator Emerita

Re: Do Authorized User CC's have less of a impact versus Individual Accounts.

Message 14 of 15
DaBall
Valued Member

Re: Do Authorized User CC's have less of a impact versus Individual Accounts.

Update...

I haven't heard back from capital one since they called me earlier this week, but today I logged into my account and seen that both my accounts are now rewards, I have a credit on both accounts that negates the AF and my credit limit has been bumped from $1250 to 2k and $450 to 1k respectfully.

Thanks fellas..
Chapter 13, Discharged 10/11
02/28/12 TU 595/ Eq 647/ Ex 647
01/30/13 TU 656/Eq 676
9/30/13 TU 694 EQ 687 Ex 727
10/25/13 Fico scores TU 740 EQ 680 EX 725
11/1/13 chapter 13 finally fell off EQ 702
Message 15 of 15
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