I just got off the phone with capone...I was asking for a CL increase...she said they would except I was over my limit in the last 6 months...I acted like I didn't know that and asked her how much it was over. She said, it was at a gas station for $4 over. Then she went on to tell me that they only charge $1 at the gas pump, then the full amount goes through a few days later. She said that was why I was over...and she refunded me a $29 overlimit fee without me even asking....and this happened Feb 2002...I am impressed. That and she said call back after 9/14/02 (after the 6 month review period) and Iwould get my increase.
PFB Mr. Cooke and you will get the increase NOW. I have gone over a few dollars and had the fee reversed. i would wait a week and pfb him. No need to wait for 6 more months.
PFB Mr. Cooke and you will get the increase NOW. I have gone over a few dollars and had the fee reversed. Then I recieved the limit increase in a few days. i would wait a week and pfb him. No need to wait till sept.
CapOne standard VISA, says 'Cyberize!' on it. $500 limit (secured with $50 and has a $19 annual fee).
Do card companies do a hard inquiry when you ask for a credit line increase? I'm wondering if they simply go by your history with them, or if they check to see if your credit is good enough
I PFB'ed Mr. Cooke for a CL increase -- next day he called and said he took care of the situation. In 2 days I got the increase I requested (500 to 1.5k). No CRA inquiry. Already marked my calendar for Feb '03 to request another increase!
Mr. Cooke is the Consumer Advocate for Capital One. He works in the executive offices and handles all the Planet Feed Back requests. Very nice person !!!
I sent a letter today via PFB and this evening when I got home, I had a message from Mr. Cooke on my answering machine and he also emailed me. I was actually shocked to hear back so soon! He does sound very nice. I will post the outcome tomorrow when I call him back.
Well the outcome is that Mr. Cooke said "NO". He said they gave me an increase of 500.00 and I would have to wait 6 months from that date to get another increase. He was very nice btw. Oh well, I had to try.
