So Cap1 EO called me today...

[primechicken]

I say do it before and politely tell them you will close it if the AF is not removed. If they don't remove mine now, that's what I'll be doing in October.

[wonderandawe]

Cool.  I'll craft my email to the EO office today.  Probably not going to threaten to close.  I need the card for at least another year.  It is my only credit card right now.  Going on an App spree when it turns a year old.

[QuantumCredit]

Good luck. Just curious, did you email the CEO?

[wonderandawe]

I emailed the EO office today and just got off the phone with them.

Because my card is a secure card, they were unable to give me a CLI or add rewards to my card.  They can not product change the card unless there is a specific offer in thier system.  I'm guessing that even the EO's hands are tied on that.

However, they are going to waive my AF and will give me a credit of $29 for last year's annual fee.

I guess it is better than nothing.  

[sccredit]

Hate to be the bearer of bad news but I see nothing in your file that justifies anywhere near a $5k limit.  I predict that they will come back with a limit of $2k, if anything.  I think you were just too early to go the EO route, especially because people in the Credit Steps program recently have been seeing $3k CS increases without the EO. 

[primechicken]

Nah, no news there. I would be shocked if they approved 5k. I said that in the hopes that they might counter with 2k. Even if they deny the CLI altogether it's already a win considering the rewards benefit that has already been added. I'm crossing my fingers for 1500 or 2k and that AF dropped.

[zerobacan]

What is your credit profile? Scores?

and keeps us posted with that CLI request, you might see it tonight online.

[LS2982]

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@primechicken wrote:
Nah, no news there. I would be shocked if they approved 5k. I said that in the hopes that they might counter with 2k. Even if they deny the CLI altogether it's already a win considering the rewards benefit that has already been added. I'm crossing my fingers for 1500 or 2k and that AF dropped.

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Yea i'm going with right around 2K.

[zerobacan]

It depends your other cards, but they can easily just give you the 250 they were going to give you for the steps program., or may be 1250

[petarap]

I've 2 cap one cards with $750 limit each.. bumped from $500 almost 18 months ago. So, I sent an email to EO Office on Wednesday Night. A representative called me from EO Office and asked me some information and asked what credit limit I'm expecting. I told at least $2,000 on both the cards. He told if I'm willing to take an offer. I said yes and confirmed it is a soft pull. Let's see how it goes. He told that my case will be sent for a review and get back to us on Monday or maximum by Tuesday afternoon.

Walmart TU Score 716 in April. ( Was in 630s in February)