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Started By
Message
Trying to get a credit increase on my Capital One Venture
Posted on 11/8/12 at 8:21 am
Posted on 11/8/12 at 8:21 am
I have had it for about 9 months and racked up almost 100,000 miles. Doubles miles.
I use it for business expenses and usually every month I have to pay off more than I should because I need more credit. They keep telling me that they will review my card and get back with me and it's taking to long. Should I get rough with them and tell them I am leaving if they don't give me a credit increase. Should I just pay off my balance and leave them and get another credit card. I shouldn't have to stress about something as tedious as this.
I use it for business expenses and usually every month I have to pay off more than I should because I need more credit. They keep telling me that they will review my card and get back with me and it's taking to long. Should I get rough with them and tell them I am leaving if they don't give me a credit increase. Should I just pay off my balance and leave them and get another credit card. I shouldn't have to stress about something as tedious as this.
3
Posted on 11/8/12 at 9:02 am to CP3LSU25
Capital One is weird. They just do an automatic annual limit adjustment and calling doesn't do much good.
AIf running out of room is a problem, you can just overpay your bill.
For instance: You have a $1,000 limit and a $500 balance. If you pay $1,500 dollars on it, you have $2,000 before you hit your limit.
It's not perfect, but it is a patch.
AIf running out of room is a problem, you can just overpay your bill.
For instance: You have a $1,000 limit and a $500 balance. If you pay $1,500 dollars on it, you have $2,000 before you hit your limit.
It's not perfect, but it is a patch.
Posted on 11/8/12 at 9:19 am to CP3LSU25
I run into my limit a lot on my venture so I just make multiple payments a month
Posted on 11/8/12 at 12:05 pm to TheHiddenFlask
quote:
Capital One is weird. They just do an automatic annual limit adjustment and calling doesn't do much good.
this
quote:
or instance: You have a $1,000 limit and a $500 balance. If you pay $1,500 dollars on it, you have $2,000 before you hit your limit.
It's not perfect, but it is a patch.
I get what you are saying, but that would mean it isn't a credit card per say.
I could just do the same with my debit card. 
Posted on 11/8/12 at 12:35 pm to CP3LSU25
quote:
I get what you are saying, but that would mean it isn't a credit card per say. I could just do the same with my debit card.
If you have a venture, you're obviously (I hope) not carrying a balance on it and are just using it to pick up the points.
Find me a debit card that gives 2% points back.
Posted on 11/8/12 at 12:53 pm to TheHiddenFlask
There are many things you want to purchase with a CC just for protection versus a debit card.
But it's been many many years since I've had to request a limit increase, can't provide much help with that one.
But it's been many many years since I've had to request a limit increase, can't provide much help with that one.
Posted on 11/8/12 at 1:07 pm to LSUnGA
I have had the same card for a year and 3 months. Got a 5k limit. Called twice and they will not give me a higher limit. I pay it off every month though, im not sure if that has anything to do with it...
Posted on 11/8/12 at 2:51 pm to keeton350
quote:
Got a 5k limit
quote:
I pay it off every month
quote:
they will not give me a higher limit
Do you just want a higher limit for credit score purposes or are you spending that much?
quote:
I pay it off every month though, im not sure if that has anything to do with it...
It most likely doesn't. AMEX just bumped my limit to 15k. I pay it off a few times a month and I don't think I've ever carried more than 2k on it.
They typically bump my limit when my credit score increases significantly (break barriers like average active RC over 2 years old).
Posted on 11/8/12 at 3:07 pm to CP3LSU25
AMEX GOLD = NO LIMIT
Posted on 11/8/12 at 8:41 pm to TheHiddenFlask
quote:
If you have a venture, you're obviously (I hope) not carrying a balance on it and are just using it to pick up the points. Find me a debit card that gives 2% points back.
Sorry. Misunderstood you
Posted on 11/8/12 at 9:40 pm to hiltacular
That's a charge card not a credit card... Do you even get "rewards" with Charge cards?
Posted on 11/8/12 at 11:18 pm to BACONisMEATcandy
Yeah. The charge cards give very good general points, but the return is not as good as the company specific cards, generally.
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