Capital One Executive Office CLI of $250, WOW, amazing!!

[hardworkpaysoff]

I took the time to email the Capital One Executive Office about my $500 Capital One credit card, and that I wanted to get a CLI, and nobody would even authorize it (hard pull or not)! Well they took my information, and submitted it for review. Came back today with a CLI of $250 to $750.

What a joke. $250 CLI. DCU just approved me for a $3,000 card, and U.S. Bank just gave me a CLI to $1,000 from $300.

Capital One is a joke. I plan on not using this card for anything and just letting it sit there. Waste of my time entirely.

[mauwow0682]

How long have you had the cap1?

[hardworkpaysoff]

About 11 months.

[RSCo]

yeah, they are a nightmare..  The very best to you..

[CreditCrusader]

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@hardworkpaysoff wrote:

About 11 months.

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Not to sound harsh here, but according to your sig, you have a student card...which would make you a student. That would mean that unless you are different than 99.9% of all college-aged students, your income doesn't exactly break the bank.

You have also had the card for less than a year...and they gave you a CLI. Many VISA/MC lenders make you wait a year.

It is well known that Cap1 is stingy with CLIs. Some people have them for years and don't get a CLI. Again, you got one inside a year.

Credit is something that takes time. So a CU gave you a larger limit. That is THEIR business model, not Cap1's. Cap1 has cornered the sub-prime market by balancing opportunity with risk...and they continue to grow by leaps and bounds. If you disagree with their business model, dump them. If not, roll with it

[LS2982]

@CreditCrusader Spot on!

[navigatethis12]

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@CreditCrusader wrote:

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You have also had the card for less than a year...and they gave you a CLI. Many VISA/MC lenders make you wait a year.

It is well known that Cap1 is stingy with CLIs. Some people have them for years and don't get a CLI. Again, you got one inside a year.

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I was going to say this. It seemed in the beginning that most of the people contacting them had had cards for three or more years at $500 limits. Now people who just got the card are seeking for an increase.

The $750 is still higher than Discover and not much lower than US Bank.

[kblatt]

I've had my CapOne card since 2002 (11 years).  Not one single CLI, and denied when I requested it last.

CapOne is NOT the way to go if you're looking for limit increases.  My scores are all fine, and I have two other $8k+ TLs.  My CapOne has been at $2k for nearly a decade..

[jsucool76]

Also, dcu gave you a 3k card, but they're not a bank, they're a credit union.
And depending on how long ago you opened that, it might not have even reported yet.

[ronstar7]

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@hardworkpaysoff wrote:

I took the time to email the Capital One Executive Office about my $500 Capital One credit card, and that I wanted to get a CLI, and nobody would even authorize it (hard pull or not)! Well they took my information, and submitted it for review. Came back today with a CLI of $250 to $750.

What a joke. $250 CLI. DCU just approved me for a $3,000 card, and U.S. Bank just gave me a CLI to $1,000 from $300.

Capital One is a joke. I plan on not using this card for anything and just letting it sit there. Waste of my time entirely.

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At least you got that, they did nothing for my secured card only told me up it myself. Which I did but I still think they should help us out more.