Last Monday, I noticed that Capital One had charged me my ridiculous $45 annual fee. My Capital One card was paid off prior to the annual fee. My limit was, and had been for the past 5 years, $500. I received a score watch notification that my credit score had dropped an unbelievable 32 points because of the $45 charge! $45 on a $500 card puts you at 9% utilization, so I guess being that the card had a $0 balance, it drastically hurt my credit score. I called Capital One and told them that I wanted a credit limit increase and the annual fee waived. After 3 representatives, I heard a big "no" each time. I turned to this forum and Googled different Executive Office email addresses and went ahead with the request. The next day, a very understanding representative from the Executive Office returned my call and told me she would process my request (I requested the annual fee removed, cash back bonus, and a $3,500 limit). By Thursday afternoon she called back letting me know they were able to increase my limit to $3,000, waive the fee for this year and put 1% cash back bonus on the card. I am very pleased! If you feel you deserve it, which I did, ask. The credit limit increase will not come from a regular representative, it is a computer generated response and it takes all of 3 seconds for that NO to come through. Also a few other tips- as many others have said, you have to Google the email addresses and just try a few. Don't ask others for a copy of the email message they sent, send your own- each situation is unique and I don't think those in the Executive Office care to read the exact same email over and over again.
