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Help with Capital One Recon

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creditjail
Regular Contributor

Help with Capital One Recon

Does anyone have the Exec number for Capital One?  I've reviewed the threads and also checked the back door tns but not sure which number to call for the Exec office I called the Senior Escalation tn and received no help.  I tried to request a CLI from Capital one a few weeks ago and was denied the denial letter came stating "  This Capital One account is not currently eligible for a credit line increase upon request.  We're reviewing our policy for increasing credit limits.  While we do this, we won't be able to offer you more credit."  The letter did provide me with my equifax credit score which shows 705.  With the denial even though I dont have any thing bad on my credit report I thought I would get more specific details as to why I was denied.  I did call Capital One and spoke with a rep that basically told me they could not increase my CLI at this time because of their policy.  What that is I still don't know!  Can someone PM me the exec tn so I can try to recon or do you think I should just walk away.

 

 

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 1 of 8
7 REPLIES 7
ihatemyscore
Frequent Contributor

Re: Help with Capital One Recon

If you call the rep wont be as helpful to you as if you emailed..

Tip
Google ceo of capital ones name..

Then fill in the blank..

First.lastname@capitalone.com
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 2 of 8
creditjail
Regular Contributor

Re: Help with Capital One Recon

Will do thanks!

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 3 of 8
creditjail
Regular Contributor

Re: Help with Capital One Recon

Finally got reply from EO on Monday.  After answering all the questions he said he will get back to me either way in 3-5 days, I checked my account online and it seemed like they only gave me a $500 increase.  Far less than what I asked for (6500) I currently have a 3000 cl.  Well I guess I will wait and try again.  While I was apping I did apply for Amex BCE and Chase and both gave me a $6000 credit limit.  I'm working on another cli from BMO Harris bank.  Thanks to this forum for all the information and help.

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 4 of 8
Epcot
Valued Contributor

Re: Help with Capital One Recon

At least you got some increase. Congrats on the Amex/Chase approvals and nice CL!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 5 of 8
LS2982
Mega Contributor

Re: Help with Capital One Recon


@creditjail wrote:

Finally got reply from EO on Monday.  After answering all the questions he said he will get back to me either way in 3-5 days, I checked my account online and it seemed like they only gave me a $500 increase.  Far less than what I asked for (6500) I currently have a 3000 cl.  Well I guess I will wait and try again.  While I was apping I did apply for Amex BCE and Chase and both gave me a $6000 credit limit.  I'm working on another cli from BMO Harris bank.  Thanks to this forum for all the information and help.


Well something is better than nothing!!

 

CONGRATS!




EQ FICO 548 3/3/16
Message 6 of 8
creditjail
Regular Contributor

Re: Help with Capital One Recon

Even though the CLI love was not much from Capital One I am happy.Smiley Happy

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 7 of 8
myjourney
Super Contributor

Re: Help with Capital One Recon

Congrats glad it worked out for you.....WOOO HOOO

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 8 of 8
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