Hi, Has anyone ever called capital one to request a cl increase and have the csr state "ok, I have submitted your request for a cl increase, and you will be receiving a response by mail in 4-7 days"? I don't get it, don't they tell you immediately, or is she just politely telling me I'm turned down. I have had the account for about a year, never late, and always either pay it off completely or pay 5 to 6x the minimum payment. When I called, it was payed off as of yesterday. -Sal
It means they turned you down. Most likely, you'll get a letter in the mail that you need to wait 6 mos for any CL increases. If you have waited that long, and they still denied you (heard rumors that Cap. 1 has instituted a 12-month waiting period), then PFB and then you should get it (assuming no lates, overlimits, at least 6 months since last inc)
Did you call a regular CSR or retention? Usually I've found that retention or Mr. Cooke can give you an answer on the spot. L
I got the same thing and figured they had turned me down. This was at an account age of seven months. They didn't turn me down and the increase showed up a few days later. Your account may be marked for manual review for your increase. I guess that is what the story is with my account. CapOne didn't pull any inquiries, soft or hard, tho. The CSR tried to sell me the payment protection plan, not realizing I never carry a balance. I polietely explained that the limit was not high enough for me to carry a balance yet. heh.
slykens, LOL - thats exactly what my csr did as well - tried to sell me payment protection. Hey, what kind of raise did you get? -Sal
