Quick question: I want to rent a room in my house, does it effect my Lending Tree mortgage? Thanks in advance for any answer or 2. Another quick question... I posted a message a month or so ago about how I just loved Capital One. They've been the generous giving me credit, be generous with CLIs, etc. when other banks weren't so generous..

Well, after today, I am REALLY loving Capital One. This is gonna be a long post - sorry for that. But I'll explain what happened just now..

I've got 2 Capital One Cards. One Gold Card I've worked up to $1000 over the last year. And one Platinum card that's 6 months old with a CL of $300. I never use the $300 one any more and it's been paid off for 2 months. I called today to see if I could get a CLI and they said it's still too new. I hung up and called back and spoke with another CSR and said I just wanted to close the account (I was bluffing.

And I've learned from past exp. that this works with them)..

So the CSR asked why I wanted to close the account. I told her the CL was just too low and I can't use a card with such a low CL and since they were unwilling to increase it, I wanted to close it. She said, " I understand. But in order to process this, I'll have to transfer you to someone who can take care of this for you." I said, "Fine." (getting nervous....wondering if my bluff was really going to work this time.).

When I was connected to the next CSR she asked again why I was closing it and I told her the same thing I told the first lady. She said, "Well, if that's all, I can take care of that for you. I am an account manager here and I can make sure we get you a good credit line. I see you've been with us just 6 months so far. You have an excellent payment record with us. Here's what I can do.

And I'll give you a credit line increase of an additional $2800.00. Then, I can also pay off some of your other credit cards or loans, etc. at the same 9.9% for up to an additional $4,000. That's the most I am authorized to do.".

My heart skipped a beat and I began to studder wondering if this was all some sort of mix up. Did she have the right guy? Was she looking at MY credit??? She wants to increase me from $300 to $2800??? And also give me more $ to pay off other cards?? "Ummmm. Ok.", I said. Still wondering what the catch was..

Turns out it was true. I gave her my other credit card account numbers and the corrosponding balances and she is sending them a check to pay them all off! I paid off $3900 in other CC debt that was at a LOT higher interest rate than 9.9%. Supposedly, these other cards will be paid off by Capital One within a week or so..

I asked, "Now, when you send payments off to these companies, do you also send a letter requesting the account be closed or something?" (Thinking maybe that's how they did it! They weren't changing my total credit - they were just restructuring things so that all my credit was with THEM.) She said, "No sir. That wouldn't be legal. We just pay them off. You have to call and close them.".

This was too good to be true..

Then, at the end, she said again, "Now, I am also increasing your credit line $2800 and that will take effect within 2 days. So if you want to do some Christmas Shopping.....".

And that was that. Now I apparently have a Platinum Capital One card with a HUGE limit at a pretty damn good rate and my other cards are paid off!.

This is the most amazing thing I've ever seen. Again, I LOVE CAPITAL ONE!!!..