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Established Member
Posts: 34
Registered: ‎05-14-2017

Cap one QS CLI?

Relative new to myfico. I have trolled the archives for some guidance on Capital One QS.  I have had a platnum card with a CL of $2150 and recently upgraded to QS (5/10/17). I logged in to inquire about CLI and their offer was a measley $250. My question, is should I wait or pull the trigger as its only a SP?

Regular Contributor
Posts: 118
Registered: ‎02-03-2017

Re: Cap one QS CLI?

Only thing is you wouldn't be eligible for another increase for 6 months. It is only SP for CLI.

In the garden since 5/30/17
Starting scores: 538 EQ, 552 TU, 520 EX Current scores (10/09/17): 730 EQ 724 TU 693 EX
Senior Contributor
Posts: 3,555
Registered: ‎05-25-2016

Re: Cap one QS CLI?

They have been tightening up lately so it may not have anything to do with you personally Op
Established Contributor
Posts: 720
Registered: ‎06-11-2015

Re: Cap one QS CLI?

They are really tightening up as someone else mentioned. Also check your actual usage and average payments. The more usage and higher payments, they tend to be upward bound. If you didn't accept that CLI, you can wait another statement and try again to see if it went up. But if you did take it, it's 6 months from the date of acceptance for the next one to work on them offering a higher one possibly. 

Fico 8 starting scores 09/27/15 EQ: 646 TU: 622 EX: 668 5 collections 1 PR reporting across the board
Scores 06/30/16 EQ: 685 TU: 699 EX: 695 1 collection now reporting on EQ and EX and 1 PR on EQ
Current scores 11/4/2016 EQ 688 TU: 705 EX: 736 No collections no PR/Judgements Finally Clean
Established Contributor
Posts: 531
Registered: ‎02-22-2017

Re: Cap one QS CLI?

Most people are getting the "too many inquiries" denial message so I'd take the $250 and run lol!! 😂
In the wallet:
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Closed on mortgage 8/9/17!! Woot!
Contributor
Posts: 80
Registered: ‎07-22-2012

Re: Cap one QS CLI?

They are the same for everyone. I've tried to cli my QS twice in the last 4 months and both times the most they will offer is $300. As soon as I pay the balance off this month it's gonna be heading to my sock drawer. It has served it's purpose and I have better cards from places that really reward my investment.
04/05/2017 FICO 08 Steadily increasing EQ 701;TU 709;EX 701

In the garden for a while
Goal for 2017: 760's across the board

Contributor
Posts: 80
Registered: ‎07-22-2012
0 Kudos

Re: Cap one QS CLI?

...and this was both before and after my recent score jumps. I tried with 703-709-702 and recently with 735-740-733 myfico 08 scores.
04/05/2017 FICO 08 Steadily increasing EQ 701;TU 709;EX 701

In the garden for a while
Goal for 2017: 760's across the board

Valued Member
Posts: 25
Registered: ‎03-15-2017
0 Kudos

Re: Cap one QS CLI?

I would wait, i was getting an offer of $500 for like 5 or 6 weeks but this week they finally gave me $3000 CLI offer
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Established Member
Posts: 34
Registered: ‎05-14-2017
0 Kudos

Re: Cap one QS CLI?

Thanks Dave and everyone who left comments.  Im waiting to see what they are going to do. My current balance is $1275 and Ill go to a branch to PIF.  Ill check there credit score to see if it goes up and then Ill plu the info back in and see if they give a better cli. 

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