Capital one Cli after 3 month mark

My 3rd statements just posted for my 3 capital one cards, discharged june 2015. Got an instant increase on my capital one platinum for $500, 2-3 day message on my quick silver one rewards.

Congrats

Similar Messages

Capital One CLI (pitiful)

I got my first ever Capital One CLI today (well, the first without contacting EO). Wait for it..........$200 increase. From $2,000 to $2,200. Now Discover only beats them by $20,900! Geeezz.

TRC_WA wrote:
BrettNS wrote:
savingmoney87 wrote:
Funny how discover which usually gives low limits gave you 20K but Cap One is usually handing $$$ by the stacks gave you such a small limit and CLI. I couldnt get my QS up for a long time but all the new cards I got had decent limits. Discover initially approved me for $5,500 last November. It's just grown with all this 17 day stuff, the last few being $4k at a time. But still, I wish some of the others would at least try to catch up. Amex included!Those of us with 2k Discover cards don't really feel sorry for you. Sorry TRC_WA! I wasn't trying to be insensitive. Some things just don't make sense.

Capital One Automatic 6 Month 3X CLI

So I opened a Quicksilver card on 01/01/2015 after receiving some love letters from capital one. Last one even said they would guarantee a CLI after 6 months of good behavior. Apped, and got approved for the Visa Quicksilver with a $1000 CL. Fast-forward last Monday, Cap One came through and gave me a $2000 CLI.Has anyone else experienced the same with Cap One? What was your initial limit and consequential 6 month CLI?

I had two Cap1 that I opened two years ago, the inquiries just fell off all my reports lol. Anyway I was approved for a Platinum MC at $1000 and a $500 QSMC. They were both in the credit steps, the Plat got bumped to $1500 and the QSMC got bumped to $750. In January I got a $100 CLI on the QSMC, and a couple weeks later in Jan, got a $3500 CLI on the Plat to bring it up to $4500. I chatted and got it converted to a Quicksilver MC and also closed the QSMC account (which still had an annual fee). The Platinum card, even as a Platinum card never had an AF. The 6 month mark from my last CLI is on the 29th of July and I hope to get another nice CLI. I've been using the card pretty heavy too, As my NFCU Flagship statement is about to cut I switch my daily spend to the QSMC. That way I can let the NFCU Flagship report at zero. At the beginning of the month I'll pay off the Cap1 card to zero and switch by back to Flagship card. I figure the extra spending on it will make Cap1 happy and give me another nice CLI Oz

Another Capital One CLI! !!This time an increase of 4K!

Background: I opened my Capital One Quicksilver One card in February of this year with a SL of $500 and requested an increase in April. I was automatically approved for a $1,000 increase. Fast foward to last Saturday night (7/11/15) I decided to try for another CLI because I was nearly maxing out every month on my $1,500 credit line. I needed the ability to make more purchases as well as keep my utilization down. I applied online and received the 2 -3 business day notice. So Monday (7/13) I e-mailed the EO stating my request, my desired increase ($4,000), and reasoning for that desired increase. Yesterday (7/15) I received a call from a very nice woman from the executive office. She asked me a few questions, verified some information, and told me she would be sending my request to the underwriters. She said I would hear something back in 7-10 business days. This morning (7/16) I logged into my account and my credit limit is now $5,500! I am beyond happy with the quality of customer service and the quick turnaround. I'm also enrolled in the credit steps program. I am due for an automatic incease after my 5th payment. I just made my 5th payment a few days ago and my statement closes tomorrow! I'm curious to see if I'll get that increase as well. I would assume yes, but I'll have to wait and see. Extra info: I pay my high balances down every month leaving about 1 to 2% utilization reporting on my card.In my EO letter I mentioned that a $5,500 credit limit would match my Discover It credit line (just started reporting)UPDATE My 6th statement closed yesterday (7/17). When I logged in today (7/18) I saw another $500 increase due to my Credit Steps enrollment! Woohoo! Hello 6k credit line! I love you Capital One!

Sandibeach22 wrote:
Super congrats on your success! Thank you!

Capital One CLI!

So I was getting pretty peeved with Capital One this week. My statement cut on the 6th, which marked one year of having my QS1 card. I pressed the luv button, and... nothing. Tried several times a day for days... nothing. Finally, this morning, I hit it to the tune of a $500 increase. I'll take it! And I'm taking note that my date is the 10th for this card lol. Now if only they would let me upgrade to the QS with no AF. Got shot down in chat today Although, once I pay off my balance, I can combine it with my other QS, so I guess it doesn't matter as much.

Congrats

Capital one CLI...do I need to put something in the "monthly spend" box?

if I leave the monthly spend box blank will that negatively affect my CLI request? Income supports higher limit, but my monthly spend is less than my CL about $4000/mo on a $5000 limit card. Thanks!

I put in 2k and got a 3k CLI. If you spend 4k, why not put it in? I don't think it matters either way, but it does seem like the majority of Cap1 CLI are only between 1k-3k anyway, although I have heard of a few 5k increases.

Capital One VentureOne Approval and QS CLI

Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me.

alexandermodern wrote:
Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me. Congrats!

Capital One Suddenly Generous with CLIs

A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think.

Littlewing745 wrote:
UncleB wrote:
Littlewing745 wrote:
UncleB wrote:
A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think. I'm curious to hear what others think as well. I have a Cap One QS1, and I have been absolutely battling them for an adult level of credit for months. It started at $300 in July 2014 - I was subprime, for sure - and completed credit steps. I had used just about the full $300 and PIF every month. Got a measely $200 increase to $500 in January, but i didn't complain. Few months later, I tried an CLI, denied. Was told there had been a change in the account. Of course, they were referring to the $200 increase. So, I let it go, and apped for other cards. Well...no one gave me a limit under $1500, and that was Discover (who is conservative, anyways). My next lowest was $3500. Ringed back Capital One and, long story short, had to escalate all the way to the EO to get the card *up to* $1,000. So basically, because Cap One is being stingy, they are still viewing me - and lending credit to me - as if I'm subprime. Wee bit irritating. I had explained to them that though the QS1 gave me 1.5% cash back, the annual fee and $1000 limit hampered use for me; my NFCU cashRewards is the same reward structure, but with no annual fee, an $8,000 limit and even a lower interest rate. No dice. Heck, even my Merrick Bank still has a higher limit. Embarrassing. I'm planning to hammer my QS1 with charges for 2-3 more months - paying down a couple times a month - and see if they get the message. If I can't get a bump after that, it's definitely a candidate for closure, since it's only 1 year old.Littlewing, have you checked out the pre-qualification site yet to see what they show you good for? I was equally disgusted four months ago due to dealing with the same type stuff you describe (before these latest CLIs, my last one was for only $200). I'm with you, it seems easier to just re-app for another card, in my case it was another QuickSilver (but the Visa Sig instead) with no annual fee and a starting line more than double the credit line on the old account, which has taken me eight years to even get as high as it is now. (This much is certainly well-documented) See what they show you pre-qual'd for, and if you like what you see it might be worth your sanity to bite the bullet and take the HPs just to be done with it. For me, "protecting" my report from HPs is not worth as much as the piece of mind I have now knowing I don't have to call and "beg" each year for them to throw me a bone for the annual fee on the new account, and if I choose to do so for the old QS1 MasterCard it's not because I have to. Many folks don't mind sending email to CEOs, waiting for call-backs that may or may not come, or calling a list of backdoor numbers, but I think I've decided I've grown tired of feeling likeI am always begging them to do business with me, either by waiving an AF or giving me a (until recently) $200 increase. Ironically, going by their willingness to approve the QS Visa a few months back, it seems it's not me they have an issue with but strangely it's the account itself. It's too bad they don't realize it's the same person behind *both* accounts, but they don't... we're just numbers. If the nice CLIs on the QS1 Mastercard had come a little earlier, this could have been a very different conversation.Yeah, I'm very seriously considering that. I try to time my apps so that everything in on a June/July and December/January cycle for increases. SO...I may be getting myself a Christmas Venture One app, haha.LOL... I like that plan. Here's an idea; even if you aren't ready to actually app for a new account, the pre-qual site will at least tell you which cards you are good for and what the interest rate will be. That's actually what pushed me into 'taking the plunge'; once I saw that I wouldn't get the highest rate as I had feared would be the case (they gave me a not-great-but-not-horrible 17.9%) it made me pull the trigger. As a side-note, the interest rate offered on the pre-qual was spot-on with what I was actually given on my new account. If the rate is higher than you would like, or you don't get offered that Venture, you can always try back later. Or if you get pre-qual'd for a fantastic rate, you can still wait and know you have something to look forward to. Even more importantly, you'll know that all the calling and emailing for the account you presently have is because you want to, not because you are forced to... Whatever you decide, you have to do what's right for your situation and your personal plan.

Capital One EO CLI!!!

So I recently got my Cap One QS card with a $500 limit. Initially upon opening I had to send verification of address and SSN. Well I was approved with pretty much bad credit including bk7 from 2010 and other silly collections. So after about a month I requested a CLI with EO office and no sucess and was told to try back in a few months I am in the credit step program. So I tried again online last week and they said they will review so I immediatley called the EO office and was told that it was denied because of too many inquiries...and all the other negative things. But I told the woman the form online said they tried to contact me I guess I had an alert. So I was advised to take the fraud alert off my report which I called and did and called them back for a manual review. After three days I went online and seen they had a request for proof of income verification I had put $126k. I sent paystubs from one job, a letter from the other and bank statment showing total deposits...blah blah blah.... soooooooo just a minute ago I decided to double check my cap one account and I was hoping I'd fall out of my chair since I felt like chances were good since they requested additional information. AND GUESS WHAT!!!! BAM $ 1500. LOL it may not seem like much to some but it sure was for me since that card was over limit (dont ask or judge). So I am super excited now! and thats my story lol.

Littlewing745 wrote:
DrZoidberg wrote:
Littlewing745 wrote:
DrZoidberg wrote:
Thing is majority of the people skip the CSR and go right to the EO. The reason we shame it is because the executive office is for serious matters such as identity theft, wrong credit reporting information, fraud charges or account closure issues. It's not for getting a $500 on a platinum card. Ever notice the majority of people using EO is for a ridiculous CLI of no more than $1-2k? This is going to lead to the EO shutting down numbers and emails for people who actually need it. I think of it like this. Would you skip over your manager and their manager and go straight to your CEO to ask for a raise? Probably hell no.Yes, I understand the point being made, however, consider the following: - myFICO is a small sample size of the MILLIONS of people who have access to the EO. We often convince ourselves on this forum that we're evidence of trends - but we're not. Reason being is...- we're also self-selecting. These is a particularly aggressive, educated group of consumers - not Joe Blow. Half the CSRs don't know what strategies are commonplace here.- you very well may also be hearing about the CLI contact more often than its actual frequency as compared to other issues (highly likely, in fact)- if the EO truly had no interest in ever dealing with CLI...they just wouldn't. The precedent for credo card companies telling us to shove off is pretty tangible. Just try try to keep in mind - as I've said on other topics - the world of credit is almost entirely YMMV. Seems very arrogant to me that some myFICO forum folks have decided they know all the "rules," when the rules in most cases are just unwritten policies that change as the wind blows. The EO email and number is not publicly available. Is it on their Cap 1 site under contact us? No. When you Google "Capital One Executive Office" this site is the first hit. This site is also linked in FlyerTalk Forums and Reddit. These sites can reach globally. So please, see the bigger picture than the same 10 people who post in threads. And this site is notorious for assisting in getting things stopped or shut down. The Duck card, the Discover CLI, the Cap 1 EO and a few others. I know people won't stop using it for a useless CLI on a card but that means I can't stop posting my distaste for it. I'm not going to argue with you. You're entitled to your opinion - regardess of if I agree or not - but I'm just trying to point out the other side. This is a great site for information, and you're right: it's very informative and influences are fair number of people. However, your very argument is ironically a precise example of what I'm saying: you think what happens on this site is exclusively responsible for those issues. Seems arrogant to me. Agree to disagreePlease read again. I said this site assists. I did not say "exclusively" as you suggested. If you're going to make an argument, don't falsify what I say when it's in plain text.

Capital One low CLI, options and questions...

I opened my first credit card in January 2011. It was an Orchard Bank MC that was later sold and converted to a Capital One Platinum MC. A few years later (not sure) it was converted to the QS MC. Since I opened this account I have never missed a payment or had any negatives on my report. I got my last CLI 6 months and a few days ago. Because I have open 6 new credit cards in the past 2-7 months and meeting spend requirements I haven't been using the card much at all. I created a spreadsheet to calulate when I could request another CLI. 180 days after my last. On day 180 I requested one and was declined because of low payments. The card had a ~$500 balance a couple months ago that I paid off so the reason didn't make sense. I figured the reason was lack of recent usage. So for the past few days I have been using the card and requesting daily. Today it finally approved me for $400 to bring my limit to $3900. I was really hoping for at least $1500 so it could be a WMC as I have a VisaSig. The increase and limit bothers me as its my oldest revolving account.
I have the following cards...
1/11 C1 QS $3900
2/13 BoA BBR MC $5000 (BBR can't be WMC they say)
1/15 C1 QS $3500
1/15 Barclay Rewards $1000
2/15 AMEX ED $9000
3/15 Chase Freedom $4500
4/15 Citi DiamPref $1500
5/15 Disc It Secured $500 (really secured but wanted the card, best card I got IMO)
5/15 BoA 123 VisaSig $5000
Also to note...
12/14 Mortgage $59k/$64k (double+ pmts)
4/15 Shared Secured Installment 352/500 (to max mix)
2/15 Victoria Secret 0/500 (big regret)
FICO08 EQ 680 TU 700 EX 698
My question is was it a mistake to accept the low CLI now? Should of just contacted the EO for a manual review? Can I still do that or will I just get the line you got a CLI a day ago and gotta wait? Would they possible let me combine my 2 capital one cards ($3900 and $3500) into one card if they won't give me an addition $1100 increase for a WMC? I've had contact with the EO before and got the number; better to email or just call?
Sorry if this scramble, unorganized, grammar, etc as this is the 3rd time I've written it as the page times out and I lost it.
So to recap my questions...
Does me accepting the low $400 CLI to $3900 today prevent the EO from possibly giving me a higher CLI?
Can you combine your limits on 2 cards into one? Would combine the newer card to the older one to keep my oldest CC open.
Any experiences you had with similar issues.
Thanks in advance for your time and responses.

As I've experience with capital one (capital one platinum) is that they DON'T give out many credit limit increases. I had my crapital one card since '09 and started when I was in rebuilder mode. Flash froward to present day and you can look at my siggy that I've come pretty far. High 700's and major credit cards in my wallet with some in the 10k plus and crapital one only gave me two CLI during my '09 to July 2015 loyalty to them. I felt I was capped at 2k after numerous emails to the EO. Don't sweat capital one and just use them for the history while you get better cards imho

Declined for Capital One 360 checking then Approved after Chexsystems frozen

Hey guys about 2 weeks ago I applied for a capital one 360 account but was denied because I have a mark on Chexsystems even though I read that Capitalone360 was no longer going to use chex systems....Any who I did some further research and saw some people had frozen their Chexsystems and had gotten approved for banks they had previously gotten denied by. Well I froze my Chexsystems and applied about a day later and.....I was immediately approved no questions asked and even received an email stating my debitcard would be mailed to me. My question is....Has anyone who has tried this trick had their bank account closed?

I just want to say (Mod Cut) thank you to the OP for leaving this here. Unfortunately for me, this info was posted only days after I had begun my ferocious pusuit of several disputes (read: every single (Mod Cut) one available to consuners) against Chex based on their innacurate reporting of non-DDA acct. inquiries and subsequesnt scoring model deficiencies which resulted in my app for CapOne 360 checking being denied as well as putting my currently open w/local CU checking/savings accounts in jeopardy of closure. The company that was responsible for the inquiries in dispute ((Factor Trust)) received, processed, and resolved my dispute within 18 hours of my submission, and then, upon request via phone, immediately contacted Chex to have their erroneous inquiries removed, but Chex couldn't care (Mod Cut) about the urgency of my dilemma and infirmed me that their ETA for removal would be 30-45 days! Sure glad I filed those complaints w/ the CFPB & FTC at the same time I faxed my dispute forms --- I'm gonna have a whole lot to say to those agencies when they follow up in the next few days. So here I was, feeling entirely helpless and abused by Chex and their and their Top Secret scoring model that somehow identifies me as someone whose much a too great a risk to be allowed to open a (second!) checking acct, when I happen to stumble onto this post. I won't lie -- I didn't think it would work, but zi fgured I had nothing to lose by trying so I placed the freeze on Monday night. Fast forward to near midnight last night when I once more attempt to apply for 360 checking; I absomlutely expected to be deniedm again - but, to my shock and amazement the application was completed and account opened within 3 minutes of logging on. AND they offered me an overdraft protection loan w/out my having to ask!!! Thank you verhy much OP for posting this here...you just did for me in a minute of two what dozens of hour on the phone with half that many different agencies/companies coulfd not. Thank you, thank you, thank you!!!!!

Capital One Platinum CLI Question

I have received a Capital One Platinum Mastercard back in August.
Tomorrow is my 5th statement being cut but I keep reading about steps increases every 6 months.
I never got a letter or email about being in the steps program.
If I'm not in steps what am I looking at for a possible CLI and when?
Thanks in advanced.

His response: "Vadin10:40 AMSure, you can certainly check with us or in our department before you proceed. If you need any assistance in the future, please do not hesitate to contact us Vadin10:40 AMI appreciate your time and patience. Is there anything else I can help you with today?" Well that chat failed miserably

Discover IT CLI after 2.5 months!

I don't even know why I hit the luv button before the 6 month mark, but I am so glad I did. I recieved my card with 6000.00 Credit line, April 23 of this year and watched with envy as everyone rode the discover CLI train. During the last few months, I did a 1900 balance transfer, ran everything through the card, took a trip, got about a 100.00 cashback, ...you name it I did it. The card is at about 15 percent utilization( I'm taking advantage of the 0 percent intro period)and 9 percent over all. My 3rd statement closed yesterday and I hit the luv button and got what I consider to be a huge CLI of $4000 for a total of 10,000.00! This card is now about even with my highest card 6.5 years ago before I got into trouble. Thank you Discover. I won't ever let you down. Fico: TU 718, EQ 721, EX 708

PDXgigi wrote:
I don't even know why I hit the luv button before the 6 month mark, but I am so glad I did. I recieved my card with 6000.00 Credit line, April 23 of this year and watched with envy as everyone rode the discover CLI train. During the last few months, I did a 1900 balance transfer, ran everything through the card, took a trip, got about a 100.00 cashback, ...you name it I did it. The card is at about 15 percent utilization( I'm taking advantage of the 0 percent intro period)and 9 percent over all. My 3rd statement closed yesterday and I hit the luv button and got what I consider to be a huge CLI of $4000 for a total of 10,000.00! This card is now about even with my highest card 6.5 years ago before I got into trouble. Thank you Discover. I won't ever let you down. Fico: TU 718, EQ 721, EX 708That is a huge increase. Your scores a better than mine but they pulled TU for a cli after having the card 90 days and only got a 500 increase. Maybe because I rarely use the card but my TU is clean.

Capital One Venture Approval and Lowes Approval after verification

Capital One applied July 16th didn't get a decision until July 27 (that's when letter is dated, but I just found out today when it came in the mail). Originally asked me to fax documents, then said documents were too dark and needed to re fax, then EO wanted me to email documents, then I got a denial letter that I couldn't retrieve, reps said it was because they couldn't identify me, theeeeeeeennnnnnnn they said EO never sent them my IDs that I emailed. I have active military ID, drivers license and vet ID from my last deployment. Still weren't good enough. So I was resolved to accept the denial and close my accounts (have investments, and savings with them as well as QS One and secured card). I told EO department this through email. So needless to say, the letter I received today stated I had been approved for 10,000. I previously worked for Capital One and I know that if you have a certain amount of money with them they automatically can recon your account if you ask but I didn't meet that threshold. However, I think they approved me to keep me as a customer. (come on, I used to work there, sent in two IDs, a SS card and randomly a birth certificate and you still deny me due to not being able to identify me lol) Just glad that's over. Bought some appliances for my mom and applied for lowes card. Was hoping to convince the rep to let me use military discount with 5% everyday. after having to call verification team (this again..) I was approved for SL of 2000. I will ask for higher CL tomorrow. So after much stress to prove i'm not jimmy joe from down the street, I did okay LOL.

ImaginaryFriend, I burned them in 2009 and they've approved three cards for me so far this year.

For month I cannot connect to the Capital One online account services

Whenever I try to connect to the online services of Capital One in the uk, I get a note "We're sorry, Online Account Services is currently unavailable. I called Capital One and was told: now problem just use the Internet Explorer. But I prefer the Firefox. What can I do.

I assume you have looked at their site:
http://www.capitalone.com/about/browser-support/
Esp empty your cashe.

Capital one Cli after 3 month mark

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