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Discussion in 'Credit Talk' started by jtw, Aug 28, 2001.
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these folks pride themselves on their low limits and chinsy increases. I had a retention rep gloat that they do this for our protection.
Umm okay, whatever dude, i just pulled $11K in citi lines in the last two weeks, and you wouldn't offer me anything.
Oh well, old tradeline, will keep it idling at $0 balance until they s**t some more credit line.
i think a good 6 month idle-out might change their mind. My father got a $200 card, didnt use it for 5 months, and they sent him a $2000 increase saying please use the card.
Bout time to put this theory to the test.
The rep said it was fine to idle your account. They report activity (!?) even if its a $0 balance card, and that was another benefit of crap 1.
i started with them 2 years ago and at that time i had a $200 secured card with a $199 deposit. So i have worked my way from a secured card to an unsecured card with a $4000 limit. So I feel I have done well with them. Also went from 19.8 apr to 10.9 and from $29 annual fee to $0 so they've done me pretty well. I can't complaint much, except I had to go to the top to get what i wanted. they are a conservative bank for sure with smaller increases but usually they will increase every 6 months, i have found household to be very stubborn though. couldn't get them to budge at all. i have sent a complaint to them by planet feedback. will see what happens with them.
I have yet another question for you. I went and disputed everything on my Experian file and Transunion file. You saids to check Experian in a week. If I apply for credit while everything is in dispute status, if it comes back will they shut down the account? I think I can get most of it off, but I am just curious.
Just trying to keep THE MAN'S foot off my neck.
not sure i understand you. I have been running disputes back to back sometimes two at a time since they offered the service at experian
It's easier with equifax imo, but experian works too.
You'll see your creditexpert score shoot up if you have that service when they go in dispute
I have disputed all my negatives on Experian. So do I wait a week and apply for credit while my negs are in dispute status?
Thats my best advice. If you have creditexpert you'll see your score jump hoops and circles. No guarantees but i know that for some companies it works.
I had 3 derogs in dispute when i applied for a household crappy card, i got the highest limit possible ($1000) they give to their customers. Nothing great but hey..
You really need to check your creditexpert score, then decide where to apply based on what it reads.
if with all your disputes you still have 500-590 score you may be spinning your wheels.
My score went from 580 to 631. I think this might have been why radioshack.com gave me instant approval as well..
I did this with equifax every time i got my AA citi cards. My score jumped 30 points thanks to the disputes.
This did not work with:
So your mileage may vary.
Capital One have their drawbacks, but overall I've found them an excellent company to work with. You can have their Platinum in just 6 months, not 12.
Just apply for another card w/ them (a Gold Visa/MC). In 6 months, you'll be eligible for increases on both cards. Get them, and then combine & convert to Platinum. I'd actually call Mr. Miller 3-4 months from now; Who knows, you might get your Platinum before the end of 2001.
You and I are nearly identical wrt Cap One and working our way up to the platinum card. I read your post and, like you, got a $1000 limit increase in May (I'm at $4100 now). They told me 9 months until my next credit line increase, and they mean it, too. They haven't budged on that for me either. But, when I read your post re the apr reduction, I requested that the consumer advocate office lower my purchase apr - and they just did, to 9.9% fixed!
Thanks for posting your story,
Has anybody gone platinum with a b/k on record. My limit with C-1 in 6800.00 but I'm scared to ask for platinum because I seem to recall reading that they will not give platinum if you have ever had a b/k.
yes. Mr Miller actually increased my credit line quite substantially to get me to Platinum and my bk is only 3 years old.
The only requirement was a 5k limit.
Call the Exec offices to do this. Get Plat... try for 9.9 and get no annual fee
If you're feeling good, ask for a line increase too
When everyone is doing this, are you complaining on Planetfeedback or questioning?
complaining of course. I thought my credit line sucked, and my apr sucked. Good reason to complain. Be furious. Heh
doesn't matter. Heck you can just call up mr cooke without planetfeedback you know???
I agree, Sam. I wrote via PFB to try to get the security deposit dropped and the annual fee lowered. Mr. Cooke responded to my letter. He could not get the security deposit dropped (something to the effect that my application defaulted to a security deposit account and could not be overridden), but will be dropping the $72 annual fee dropped completely.
I am keeping Mr. Cooke's number as I know I will probably be contacting him in the future. Once I have the account open awhile and in good standing I will broach the return of the security deposit and maybe an APR reduction. We will see how my new account will play out. I am getting a secured card through my CU and after a year they review and if the account is fine, will refund the deposit and drop the rate from 15% to 13%.
hi marcy, thanks for the reply. I have another card I rec'd from capital one a couple of weeks ago. When i first got it, the credit limit was $200. I called the exec office and they raised it to $500. Some how the terms magically changed to 9.9 fixed on purchases but it has the $4 monthly fee. I hope to use it to combine in a few months. I would say 6 months max this acct will be eligible to merge with my other limit of $3900. with the 3900 card and this one of 500 I will only be 600 short of the $5000 i need to be at platinum status. they should bump me easily at this point. so platinum should be easy in a few months. Maybe in October I will be able to get them to merge and combine because then i will be eligible for cl increase on higher limit card. One thing i noticed on platinum is cash has 9.9 fixed rate too. i am at 19.8 for cash on my present card. i have 9.9 fixed on purchase though. i hate paying that extra 9.9 so if i get platinum in a few months i'll be there for sure.
I wonder how long they will continue to do this for pfb complainers?
dlo security deposit will come back on month after 12th billing cycle... If you use PFB...