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Capital One CLI

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joeblow2
Regular Contributor

Capital One CLI

I have COF accounts over 11 yrs old and 800 + FICO scores. I try applying for a CLI  and get the same resaon for denial. Not high enough charges on the account . Does anyone know what percentage of your CL you have to use before you are eligible for a CLI ?

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B335is
Moderator Emeritus

Re: Capital One CLI

The only time I got one (Venture $5k to $7k) was after making the bonus spend and letting it sit. Then I took advantage of a BT offer for $2k and every request since has been denied. I heard they like heavy spend and big payments, but who doesn't. 

Message 2 of 4
NRB525
Super Contributor

Re: Capital One CLI

What is your existing CapOne limit?

 

Mine is $10k, had it since 2003, same limit, plenty of balances and usage and interest payments over the years. Forunately no CLD during the financial crisis.

I did a BT onto it of $5,700 in November, now paying that down rapidly and my two recent CLI denial notes are progressively indicating I might be on the right track, estimating May for my next CLI request on this card. No idea what the result will be.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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joeblow2
Regular Contributor

Re: Capital One CLI

MY CL is 6K since 2004 Never 1 increase

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