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Frequent Contributor
Posts: 474
Registered: ‎04-09-2012

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 $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Capital One CLI


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

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
Posts: 2,789
Registered: ‎10-10-2012

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
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