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C1 credit line increase?

Discussion in 'Credit Talk' started by Mr Alan, Jul 1, 2003.

  1. Jul 1, 2003 #1
    Mr Alan

    Mr Alan Well-Known Member

    What's the best way to get a C1 credit line increase? I've had my account for about 7 months with no late payments.

    Can I ask for one online?
     
  3. Jul 1, 2003 #2
    GEORGE

    GEORGE Well-Known Member

    Can I ask for one online?----->NO

    Call the phone number on the back of the card...FIRST get balance...payments...etc...THEN "FOR A CREDIT LIMIT INCREASE...PRESS ONE "I THINK"

    If approved...the computer will say your new limit...
     
  4. Jul 1, 2003 #3
    Mr Alan

    Mr Alan Well-Known Member

    Thanks, George
     
  5. Jul 2, 2003 #4
    Mr Alan

    Mr Alan Well-Known Member

    Rats!!! Rejected.

    Was told I have to wait 9 months before they would consider a CLI.
     
  6. Jul 2, 2003 #5
    Hedwig

    Hedwig Well-Known Member

    Try PFB
     
  7. Jul 2, 2003 #6
    luscious1

    luscious1 Active Member

    I think its actually rather arbitrary. I was told 6 months by the computer so tried at 6 months, denied - was told I needed 9 months. Tried at 9 months, denied and was told I needed 12 months. LOL I usually paid the card off in full but I did carry a balance a couple of months. I got annoyed by the incosistent information so called and closed...they offered me a $100 CLI to keep it open...pfft! hehe

    That's just been my luck with them...good luck to you @ 9 months! :)
     
  8. Jul 2, 2003 #7
    8004me

    8004me Well-Known Member

    I have 2 cap 1 accounts a toy card and the no Hassle. All I could get was $200 on the toy card and retention told me well you deserve more etc... But no more and they knew I had called the automated line and declined the increase.
    To their credit they did reduce my APR still a sock drawer card, but I feel better about it.
    Had my Platinum no hassle tried at 6 months said no tried at 9 months said no.
    So when it was 1 year old I PFB and about 3 weeks later Mr. Cooke doubled my limit APR was already at 8.9% so he could not go lower.
    So I am a believer that in cap 1's case for quality service a PFB is the way to go.
     
  9. Jul 2, 2003 #8
    Brad J

    Brad J Well-Known Member

    Doubled your limit from what? 2000? 4000?
     
  10. Jul 4, 2003 #9
    AustinGuy

    AustinGuy Well-Known Member

    Does anyone have a high CL with Cap1? In all my time on this board, all I've ever heard are complaints about the low limits Cap1 gives, even from people with good credit. What's really their game?
     
  11. Jul 4, 2003 #10
    SoParkDiva

    SoParkDiva Well-Known Member

    Re: Re: C1 credit line increase?


    Didn't Cap 1 start out as subprime card? Maybe old habits are hard to break.
     
  12. Jul 4, 2003 #11
    Mr Alan

    Mr Alan Well-Known Member

    Re: Re: C1 credit line increase?

    If they decline me at 9 months, I'm cancelling. They'll have to put those monthly inquires on someone else's credit report.
     
  13. Jul 4, 2003 #12
    SoParkDiva

    SoParkDiva Well-Known Member

    Re: Re: Re: C1 credit line increase?


    Those 'monthly inquiries' are all soft. So they don't affect your score.
     
  14. Jul 4, 2003 #13
    GEORGE

    GEORGE Well-Known Member

    Re: Re: C1 credit line increase?

    WHAT DO YOU CALL HIGH???
     
  15. Jul 4, 2003 #14
    fingrrrl

    fingrrrl Well-Known Member

    Re: Re: C1 credit line increase?

    I have $5500 starting from a low limit of $500 in July 2000...my mother has the No Hassle Visa Platinum with a limit of $11500...I guess those are both high
     

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