Pre-qualified credit checker on card company sites

For just about anything you want to get off your chest about credit cards.
73 posts
p51
Centurion Member
Centurion Member
 
Posts: 100
Joined: Sat Nov 15, 2014 11:11 pm
Location: Boston, MA

Postby p51 » Sat Nov 29, 2014 9:51 pm

lobbythis wrote:Executive offices. Do a search for their number. It's on MyFico and some other places.

It's the offices you have to call to get anything done. But, they are helpful and know what they are doing. It's how I got all of my big CLI's with CapOne.


Thank you!
Capital One secured opened May 2012 -- $1401 ($1200 of my own money to increase limit) I will be closing this as soon as I qualify for an AMEX Simply Cash business card (hopefully this summer).
Amex PRG opened Nov 2014 -- No preset spending limit
Chase Freedom Nov 2014 -- $4000
Bank of America Cash Rewards Nov 2014 -- $2500


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4205
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Sat Nov 29, 2014 10:20 pm

Do EO employees get annoyed when people contact them just because they are unhappy with how the regular CSRs treat them about everyday matters?

I've seen a lot of threads (mostly on myfico) where people say things like "It's been a whole year since my bankruptcy, and CO still has me on a $300 credit line. Obviously CO's top management needs to know about how this excellent, credit-worthy customer has been horribly mistreated!"

I've never had to contact an EO, but it seems like the goal is to harass them until they give a small CLI so a customer will just stop calling and taking up their time. I suppose if the regular CSRs are incompetent, as opposed to just standing firm on their unfavorable but within-reason decisions, it can be the only option.

So do the EO employees get annoyed that they spend a lot of time dealing with menacing whiners, as opposed to people who need help with seriously complicated card situations? Or is semi-routine customer service the purpose of the EO staff?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Sat Nov 29, 2014 11:46 pm

CarefulBuilder14 wrote:Do EO employees get annoyed when people contact them just because they are unhappy with how the regular CSRs treat them about everyday matters?

I've seen a lot of threads (mostly on myfico) where people say things like "It's been a whole year since my bankruptcy, and CO still has me on a $300 credit line. Obviously CO's top management needs to know about how this excellent, credit-worthy customer has been horribly mistreated!"

I've never had to contact an EO, but it seems like the goal is to harass them until they give a small CLI so a customer will just stop calling and taking up their time. I suppose if the regular CSRs are incompetent, as opposed to just standing firm on their unfavorable but within-reason decisions, it can be the only option.

So do the EO employees get annoyed that they spend a lot of time dealing with menacing whiners, as opposed to people who need help with seriously complicated card situations? Or is semi-routine customer service the purpose of the EO staff?


I've had great experiences with both Citi and Chase EOs. I recently contacted Chase's executive office about an inquiry that they did on my EX file that none of the analysts could actually see and they were able to mask that inquiry so that other creditors can't see it, so they essentially turned my HP there into a SP because they basically only needed my EQ file to make a credit decision and they told me it was an error on their part.

Citi EO was able to get my APR reduced when the incompetent normal customer service kept saying that I didn't have any offers and keep in mind that I had the card for about a year at that point and it was much higher than other cards I was able to get approved for. Very nice people in both who were really willing to help. Never got the impression that they were annoyed at all.

Can't speak for CapOne's EO though since I've never had to call them or anything but it seems lots of people have had success there.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests