300.00 capital one increase! - Credit Repair Forum from Creditnet
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  1. #1
    PSUgirl is offline Guest
    Join Date
    Mar 2001
    Posts
    345
    I was viewing my capital one account online. I saw that my credit limit went from 2400 to 2700. I wanted to know how? so, i called cap one, and i was told that I recieved a 300 limit increase automaticlly

    Too bad capitalone doesnt report limts.

    Heres some History with me and cap one:

    I opened a secured visa 300 limit 49.00 deposit and a secured mastercard 500 limit 99.00 deposit back in march 2001.

    From then,
    Ive gotten my limits raised 200.00 on both
    then
    I got my annual fees refunded on both cards.
    Then
    I got my APR lowered 2% on both cards
    then
    Ive gotten my limits combined to the visa (now 1200)
    Then
    I got my new limit of 1200 raised 1200 (now 2400)
    now, today
    got my card (visa) unsecured.
    ****ALL IN 2 MONTHS****

    Ive asked for my security funds, 149.09 to be applied to my balance.

    Im not using my card again, except for emergencies, unless cap one upgrades me to a gold.

    Movin on up!

    psugirl

  2.  
  3. #2
    Jim
    Jim is offline Senior Member
    Join Date
    Mar 2000
    Posts
    1,697

    Re: 300.00 capital one increase!

    Lizard,

    FCNB is the best. Dogman and others recommended it. I checked it out but I was too far along with my credit restoration to need it - just like you. If you are helping a friend or something do a search on "FCNB".

    Jim

  4. #3
    DaveLV is offline Senior Member
    Join Date
    Mar 2001
    Posts
    1,878

    Re: 300.00 capital one increase!

    I've never had an FCNB card but if you've followed my posts about Providian, you already know how highly I think of them. I don't know if you can apply for the sub-prime Providian branded card directly though, although you can apply for Aria/Get Smart.

    I couldn't tell you if their other brands are as good as the direct branded cards. So far I have nothing but good things to say about them.

  5. #4
    MiamiBlues is offline Senior Member
    Join Date
    Apr 2001
    Posts
    712

    Re: 300.00 capital one increase!

    Lizard,

    I have an FCNB card I got back in April 2000 when my credit was still pretty bad. It was an unsecured card with a c/l of $20. Since then I've received 2 increase of $50. Not much but I keep it in case of an emergency.

    Manny

  6. #5
    DaveLV is offline Senior Member
    Join Date
    Mar 2001
    Posts
    1,878

    Re: 300.00 capital one increase!

    Was that a typo or did you really have a credit card with a $20 limit?

  7. #6
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Re: 300.00 capital one increase!

    I KNOW PEOPLE HAVE $100 AND $200 CREDIT LIMITS, BUT $20.00
    YOU COULDN'T EVEN BUY ONE TANK OF GAS PER MONTH...

    PROBABLY ($200)

  8. #7
    LoFico is offline Senior Member
    Join Date
    Apr 2001
    Posts
    134

    Re: 300.00 capital one increase!

    What type of an emergency could be handled with a $20 credt limit? lol

  9. #8
    DaveLV is offline Senior Member
    Join Date
    Mar 2001
    Posts
    1,878

    Re: 300.00 capital one increase!

    You never know when you might run out of gum. :)

  10. #9
    sam
    sam is offline Senior Member
    Join Date
    Mar 2000
    Posts
    3,706

    Re: 300.00 capital one increase!

    cap 1 bottom tier credit increase line (what most people get) is $50 line increase per month. 6 month cycle between increases. Of course you must never make a late payment or go over or nsf. But duh.

    Thats reasonable, and better that most other secured cards. Once you have a good tradeline active for 6 months, you can get the aria product. It will come with heavy fees/interest but their product gives you 500-1000 increases every 120 days.

  11. #10
    MiamiBlues is offline Senior Member
    Join Date
    Apr 2001
    Posts
    712

    Re: 300.00 capital one increase!

    Now I know I need a vacation!!! The limit on my FCNB card is $350. It started with a c/l of $250.

    Well at least you guys got a good laugh!

    Nite...

    Manny

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