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Hey guys, I've only been following this board about 3 weeks and already I've learned so much! Been a Capital One member for almost 3 years following BK Ch 7. I have two credit cards with them both for same period of time with credit lines of $500 and $300 respectively. After some bumps early on, I got it together and paid all bills on time and always more than minimum, keeping utilization around 10% or less. Recently(about a month ago) received a 2K CLI on the $500 card(without asking) but nothing on the card that has had $300 limit? So I applied for increase on their website thinking this would be easy. Got a "denial" letter due to "too many inquiries"-mind you these were from a new auto loan and home loan apps and the same inquiries were there when the other CLI was granted on other card? Called customer service x2, both times they said "nothing we can do, this is our policy try again in 6 months". Been reading these blogs and came across the email address to Mr. Fairbanks CEO of Capital One. I emailed their office on Saturday 8/23/2014. On Wednesday 8/27 one of the Exec staff called to acknowledge receipt of my request and letter, they asked me a few more financial questions and what amount I hoped for. I told them it would be great to get 2K like other card. They said they would submit to underwriting and I would hear something in about 5-10 days. I just happened to check my account yesterday and there it was! A 2K limit increase on my other card! I am super happy! I know have 4K between my two Capital One cards and can handle an emergency. So yes, it's true, they do work with you and they listen in the Capital One exec office! I would have never known without this blog! Thanks everyone!

Haven't been late on a revolving acct in >2 decades except by a couple of days on rare occassion, just a small handful of times (can't say the same for SLs). As it turned out, glad the oversights were with PSECU and PenFed, neither of who responded with a nose dive on internal (read: Amex) score, late fee or requirement to request a reversal of it- due to a standard grace period. Luv me some majors, but diversity is king and CU can take the bite out of a slip up, give some good product with great CLs/rates/ member relations and warm fuzzies. They're not for the feint of heart necessarily but offer more than amateurish displays for so many of us, to be fair. Our fav big banks don't always have the staying power we had imagined when an economic downturn hits either. The mini panick attack, when reviewing accounts and realizing, doh! PSECU was somehow not set up for auto-pay and already 12 hours late vs the relief felt after called in to see it wasn't going to be an issue is still fresh in my mind How has your local, regional or major CU been a player for you? Please post CUmbaya moments here