Reply
Frequent Contributor
kimmiller112
Posts: 468
Registered: ‎04-09-2012
0

Capital One CLI

I have had a Capital One credit card for about 2 years.  A couple months after getting it, I got an auto CLI from $1000 to $1500 but have been unable to get a CLI since.  I did a search for executive office email address and found four that I used to send an email saying that I have always been told I was ineligible for CLIs anytime I called and would use my card more if I had a higher CL.  I also requested to be changed to a card where I could earn cash back.  

 

I sent the email last Wednesday evening and a very nice man from the executive office called me the following day.  He told me that I would have to apply for a new card if I wanted a card with rewards but that he can help with the CLI request.  He asked be some questions like income, rent paid, etc.  Then he asked me what CL I would like to request.  I said $5000.  He asked me if I would accept something lower if they couldn't approve that amount and said that it would depend on what they countered with but would consider a lower amount.  He told me he would send my request to the underwriting department and call me back when he heard back from them, which takes 2 -3 days.

 

This morning he called me back.  I was approved for $5000 and that my online account was updated.

 

My background:  TU 690 and EQ 685 (two weeks ago), bankruptcy 2005, no lates, less than 10% util every month, highest CL is $7500 but not reporting yet, next highest is $4900 then $4000.  I have 8+ inquiries on each report because of new credit this year and a new car purchase.  I don't remember even having a conversation about pulling my credit report with Capital One for this and nothing has shown up yet on my USAA monitoring. 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Capital One CLI

Congrats

Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Capital One CLI

Awesome. Congrats. I have the Cap1 Cash Rewards starting 2k CL. I am in credit step program.. so I get like 500? So, 2.5k CL forever? LOL

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Capital One CLI

Nice increase, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}