I spoke to Cooke a few days ago on the phone and recently received a credit limit increase to make my credit line $1200!!!!! This means alot to me considering I started three years ago with a limit of $200 and FICO of N/A or "0" (never had any credit in 2000 considering I was 18 yrs old)
I have to thank him as well. I started out with a $500 card just over a year ago. Now after only two CL increases I'm up to $3200. -Sal
Ditto... after 3 years (every 6 mths) of getting $200 increases by calling 1-800 customer service, I called him last month and received $1,200 increase in one shot to bring my LOC to $3,600 (no soft or hard inquiry) on 9.9% fixed-rate card! Now, that's what I call service! However, I wish Cap One would report credit limits. Now I'll have to charge my card again up to the limit to get the full benefit of credit ratios. Oh well, I may have to do a balance transfer. The next thing to work on is to eliminate the $39 annual fee! Granted, I have only paid half of the fee ($19) because I call in every year to ask to get it waived. But since I use the card a lot, I believe this request would not be out of the question. At any rate, make sure to ask about any hard or soft inquiries before requesting a LOC increase, as hards will stay on your record for 2 years and may negatively affect your score! Good luck! MisterX
Yeah he is great although the ONE time I decided to write him he was on Vacation so a woman responded any way and hooked me up pretty nice... I just was Cap1 will report CLs
