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opened 1st cap one account march of 08 with a 1k cl got credit steps in june of 500 and called back door number in aug and got another 500 total cl of 2k.
In sept did the cap one preapproval site and got approved for a sec cap one account with a starting cl of 2k.
a few days later received my welcome kit and the credit steps letter that stated I could be increased twice
once at 3 months and once at 7 months. Paid my second payment today and called the 9939 back door number and received a 750 increase and the rep actually apologized that it was so small of an increase. of course i was
jumping up and down and trying not to laugh on the phone
Called 9899 today and went from 4250 to 5250. (I'm starting to really like Cap1.)
History of the card..
Opened in Jan 08 w/ a 3k limit. Rec'd a CLI after 3 months to 3750, then credit steps to 4250.
Used the card heavily in the beginning b/c of the zero intro rate, PIF. Did a BT in October for 3500 for another zero rate for 6 months (BT fee capped at $50).
I inquired about a 'ceiling' on my card b/c it's a boring Plat MC and was told that I "didn't need to worry about a ceiling for quite awhile". I originally thought it was capped at 3k, ha!
If I were to pay interest on the card my rate is 12.15%. It's a handy lil tool at this point as long as they don't mind that I don't generate much interest income from them.
I just called...it would ring once and then hang up on me. I tried again and again and after about five attempts, it finally rang through and I got a Sr. CS Supervisor named Angela on the line. I told her I had just done a BT last night online from one of my other cards to my CapOne card, but was having 2nd thoughts because it would almost max me out. Asked if I had hit a ceiling for my CL and wondered if it could be increased so I wouldn't look maxed out on my credit reports. She reviewed my account and saw that I've had the card for over 2 years (since Oct. 2007) with excellent payment history. She said she could give me a $300 CLI at this time, for a total CL of $1300.00. Not much, but I'll take it! Especially since I've called the automated line before and it told me that my card was not eligible for customer initiated CLIs.
This back door # works!!!!
I tried to get CLI a few months ago and they said no.
Have had the card 8 years and I'm at $3000.
3 Lates last year on balances under $100.
My fault but they hit my credit report.
I did receive partial success earlier this year using the backdoor #. A rep removed the late from my last 24month history, but it still showed on the credit card summary portion of the credit report. I sent another GW letter and a senior CSR reversed the GW and reprimanded the other rep!
6th Goodwill letter going out today.