Cap One E-pay

Itchy Anna, You can ask for a credit line increase every six months. When you pay online with a check it usually takes two business days for your payment to post. So if you payed today it would post tomorrow. They usually take the money out of your account within three days. You don't need to put down the check number when you pay online.

 

anna,

Cap One uses an ACH electronic transfer to debit your checking account. It usually posts to your Cap One account in 2 days and clears your bank in 3 days.


Credit line increases are every 6 months (with NO problems on the account), but Cap One retention can give you one as early as 3 months - possibly.

There's no harm in calling to find out. The direct line to Cap One retention is:

1-800-889-9939

 

and at the 6 month mark, get the auto increase then talk with a supervisor and ask for more.

IF told no, hang up and call back. Call retention. They can do an increase normally. Do all calls and requests on the same day!

Cap1 uses an internally generated score so make large payments and use it often. In the beginning I left a balance 1 out of 3-4 months and then paid in full the next month. Gave them a bit of interest. I normally had a good balance on the card when I requested an increase.

 

why on the same day?

 

Mr Cooke gave me a generous increase due to a customer service issue. Advised me not to ask for another one until June, six months after the increase was given. Although my 6-month anniversary will be in February. I think I will ask anyway.

 

Call MR Cook after 6 months. However I got a increase of 200 after 3 months and they lowered the intrest

 

Debtfree,

Did you give a reason as to why they should give you an increase? and lower your interest rate?