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Thinking creditors just hate me...

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PlasticOrPlastic
Established Contributor

Thinking creditors just hate me...

These boards contain dozens and dozens of people posting stories about luck with creditors, and EO's specifically.  I recently had a post about my QS account not being where I wanted after 3 years of use and perfect payments. 

 

I emailed the EO, and three days later (last Thursday) I get a call.  The guy asked what I was looking for and I said I'd like a 5k credit limit to use for some traveling end of this year.  Also said I'd like to just take advantage of the 1.5% rewards.  He took my info and said he'd pass it along to the underwriters (thought thats who I called).  Today is Tuesday and I haven't heard a thing back. 

 

I thought getting my scores up to almost 700 would help me, but honestly I dont see much of a difference from when they were in the low 500's. 

Message 1 of 22
21 REPLIES 21
Kenny
Moderator Emeritus

Re: Thinking creditors just hate me...

You see see a difference. You can't be too negative on yourself and honestly saying creditors hate you and stuff is just silly. They have no personal view of you, and you know that. Smiley Happy Give it time and frequent usage and with the luv button you will get to 5k and greater.. I promise you! Smiley Happy

Just stay positive and positive things will happen. Smiley Wink HUGE Congrats on coming back from the 500s!

Message 2 of 22
PlasticOrPlastic
Established Contributor

Re: Thinking creditors just hate me...

Thanks I appreciate it!   Honestly I know it sounds silly, but how is it one person is able to get a 4-5k bump for seemingly no reason, almost instantly from an EO contact but I keep getting the run around (actually no response at all). 

 

I keep trying to garden and just work with what I have but it seems to get me nowhere fast. 

 

Wish I could take a break from this credit stuff but its become an obsession, I think the only cure is a 5k CL to make things feel worthwhile lol. 

 

....continuing to garden. 

Message 3 of 22
yudeology101
Senior Contributor

Re: Thinking creditors just hate me...

Give it some time as Cap1 EOs are quite busy these days from most of the members here in this forum requesting stuff lol  From personal experience, it can take up to a full week but they will call you back!!  Wishing you the best outcome

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 4 of 22
Kenny
Moderator Emeritus

Re: Thinking creditors just hate me...


@EndlessRoad wrote:

Thanks I appreciate it!   Honestly I know it sounds silly, but how is it one person is able to get a 4-5k bump for seemingly no reason, almost instantly from an EO contact but I keep getting the run around (actually no response at all). 

 

I keep trying to garden and just work with what I have but it seems to get me nowhere fast. 

 

Wish I could take a break from this credit stuff but its become an obsession, I think the only cure is a 5k CL to make things feel worthwhile lol. 

 

....continuing to garden. 


When you start comparing yourself and your cards to others one will always be dissatisfied. This board is a blessing and a curse, because at least you know what the posibilities of your hard work are, but also you know that things are possible so if/when you don't get those things each and every time it's incredibly frustrating. There will always be someone with a better looking profile, larger income, tons of usage on a card, and much larger CLIs. You have to know that you've done well and just have faith that you will get where you need/want to go. It took me a while to realize this!

 

The EO hasn't gotten back to you yet, but you will see results of some sort of fashion happen. You will see your CL raise one day and then probably get a call later in the day or the next day if you're like me and frequently check your accounts. Nothing but good things can come from asking for a CLI with Capital One -- they can't HP you so if you don't get what you want now, you will eventually.

 

How long have you been gardening? It's really hard to garden!!

Message 5 of 22
PlasticOrPlastic
Established Contributor

Re: Thinking creditors just hate me...

Thank you yude and kenny! 

 

Hoping everybody in here is just keeping them busy as they work out my CLI lol. 

 


I've been gardening for a little over a month and a half.  It's really hard!  I have almost all my cards paid off, and just want to see some CLI's, that seems to be harder than getting the cards Smiley Happy

 

Message 6 of 22
JoshuaHolySpirit
Frequent Contributor

Re: Thinking creditors just hate me...


@EndlessRoad wrote:

....... I have almost all my cards paid off........,

 


It will only get better-!!!!! All the best-!! Heart

Capital One QS1, Capital One Journey, Williams-Sonoma Visa, Amex Travelocity, Chase Slate, Amex SPG, Amex Blue Sky, Bank of America Travel Rewards, JCPenney...and more ( Holy Spirit rocks-!! ) TU-Fico-777
Message 7 of 22
bobbay
Established Contributor

Re: Thinking creditors just hate me...


@yudeology101 wrote:

Give it some time as Cap1 EOs are quite busy these days from most of the members here in this forum requesting stuff lol  From personal experience, it can take up to a full week but they will call you back!!  Wishing you the best outcome


They will get back to you!  Patience.  With that score and util down alot I think you would get results.  Keep us posted.  Good luck!


Current Score: EX 712 4/28/15, TU 713 4/14/14 lender pull, EQ 723 9/16/15, 740 EQ bankcard 8 6/1/15 lender pull
Last app 03/12/17


Message 8 of 22
PlasticOrPlastic
Established Contributor

Re: Thinking creditors just hate me...

Thanks guys! 

 

bobbay, I've been trying to be patient keep checking my phone like I'm back in highschool waiting for "that girl" to call.  Hoping its sometime this week, I'm looking to book a vacation and that new CL sure would be awesome! 

Message 9 of 22
takeshi74
Senior Contributor

Re: Thinking creditors just hate me...


@EndlessRoad wrote:

These boards contain dozens and dozens of people posting stories about luck with creditors, and EO's specifically. 


Credit and results with EO's vary.  How is are your reports looking?  Don't just rely on scores.  Also keep in mind that it takes time to rebuild.  It wasn't too long ago that I was stuck with a secured CO card.

 


@EndlessRoad wrote:
Thinking creditors just hate me...

It's all a matter of your credit and the perceived risk when compared to a given creditor's critieria. Hate has nothing to do with it.  They don't know you.  They're just relying on data in your reports.

Message 10 of 22
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