I found a luv button!

[WhirledPeasPlease]

Okay okay.  I might be making a reservation at the Sleigh Center soon, but here goes.

I went online and checked Capital One's PreApp site.  (Cap one -- the people who send me the crappy 300 cl and 39 af every other week.)  Anyway, after getting rejected by AMEX for a CLI and getting denied by the HD MC I thought, what the heck.  From what I've seen they don't pull EQ.  Soo..  I was approved for a 3k CL and 19AF.  I had to choose "needs improvement" because I don't have a CC w/ a limit of 5k or more.

Has anyone had luck upgrading a CapOne card to one of their better cards?  From looking around the forums I noticed most people were able to add a new CapOne card, but not upgrade.

Any thoughts?

Peas on Earth and Goodwill letters for all! 

[Anonymous]

with the #K you are either maxxed on their re-builder card or at the  lower end of their prime.  I'm leaning toward the second.  Some of their cards to transverse the needs improvement/ excellent tiers they set.

There is always the backdoor account specialists for them

[WhirledPeasPlease]

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Lady_Scarlet wrote:

with the #K you are either maxxed on their re-builder card or at the  lower end of their prime.  I'm leaning toward the second.  Some of their cards to transverse the needs improvement/ excellent tiers they set.

There is always the backdoor account specialists for them

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Thanks Lady --

I'm guessing I'm the lower end of their prime as well.  I have EQ issues (618) and do okay with TU and EX (662 and 657).  I have about 13.5k in TL over 10 accounts, highest CL @ 4600 and util around 8%.  I was OH so close to their magic 5k number!

I've started getting the message "CLs too low", so there's one way to fix that..  get CLIs or get new cards.  I tried getting CLIs but with 2 HSBC, 1 Juniper and a Target Visa that wasn't easy.  (My only other major is the Amex.)

Oh well, onward and upward!

[Anonymous]

I didn't know about the 5000 thing. I had a wicked 600 cl with them for for 5 years (that included 3 increases)>  then i must have gotten nine offers for something call preferred plus with cl of 3000 and 500 more after 60 days.  took a hard hit on all 3 cras. Then i combined them for 4100 and used the old date.  I was worried about not getting more increases but when i called they said could.  I don't want one right now.  Now i'm thinking i should try for 900.  taking me to 5000.   I just got a CCCU FOR 5000.

what do you think?  They have lightened up alot.  Didn't even get the old

'we're conservative" speeech. LOL

Message Edited by casinoannie97 on 01-10-2008 04:22 PM

[WhirledPeasPlease]

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casinoannie97 wrote:

I didn't know about the 5000 thing. I had a wicked 600 cl with them for for seven years (that included 3 increases)>  then i must have gotten nine offers for something call preferred plus with cl of 3000 and 500 more after 60 days.  took a hard hit on all 3 cras. Then i combined them for 4100 and used the old date.  I was worried about not getting more increases but when i called they said could.  I don't want one right now.  Now i'm thinking i should try for 900.  taking me to 5000.   I just got a CCCU FOR 5000.

what do you think?  They have lightened up alot.

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No kidding!  They let me in! 

I kept shredding the old offers because even at the worst of times I didn't need a 300cl w/ an AF.

Thanks for adding your experience with combining cards.  That sounds encouraging.

I would go for 5k, but I'm new at this.  How long since your last CLI?

I'm just geeked about the 0% int until June.  This REALLY helps with the purchases I'm making at the moment.  If for some reason I have to carry a balance, I can do it on this card and still end up with an int rate around 14% when it hits.

I've heard many people refer to them as CrapOne.  I hope I have a good experience.

[BBYGRL]

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Has anyone had luck upgrading a CapOne card to one of their better cards?  From looking around the forums I noticed most people were able to add a new CapOne card, but not upgrade.

I called the back door number twice in the last three months and they said that they could not upgrade my card. I opened it in '06 and it is paid on time or PIF every month. Into the sock drawer it goes...

[Anonymous]

good luck many of us on here do not have any luck with CAP1-also by the way they pull all 3 credit bureaus for reports on new offers of credit---as for upgrade they have told most of us they dont upgrade accounts you will only be extended that offer if it was sent to via mail--they dont accept it over the phone--and just be prepared whenever you want to get a CLI to listen to this ---blah blah blah we are a conservative lender

[WhirledPeasPlease]

OH NO!  If they go near my EQ score I'm in trouble!

I'm thinking of throwing a party when the baddies drop off - I seriously need some EQ lovin'!