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Capital One Denies me CLI but gives me a new card? WTH?!

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kingkai1990
Contributor

Capital One Denies me CLI but gives me a new card? WTH?!

Okay, so I was approved for a Capital One Quiksilver card. Which is cool. But they seem to not give me a credit limit increase on my current Platinum card. Doesn't make any sense at all. Capital One said that I was late 8 months ago (auto pay issues), and I'm still stuck at a measly $500 limit. 

 

But they approve me for a new card with a $1,000 limit. Why?

Message 1 of 11
10 REPLIES 10
wacdenney
Valued Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!


@kingkai1990 wrote:

Okay, so I was approved for a Capital One Quiksilver card. Which is cool. But they seem to not give me a credit limit increase on my current Platinum card. Doesn't make any sense at all. Capital One said that I was late 8 months ago (auto pay issues), and I'm still stuck at a measly $500 limit. 

 

But they approve me for a new card with a $1,000 limit. Why?


There's no rhyme nor reason to anything Crapital One does.  Don't even try to make sense of it.  You'll be much happier if you just take them for what they are and don't try to figure it out.

Message 2 of 11
MissMoni223
Senior Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!

Take the new card and don't take the CLI denial personal.  If you want, contact the EO for the CLI and/or upgrade on your Platinum card.

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 3 of 11
Anonymous
Not applicable

Re: Capital One Denies me CLI but gives me a new card? WTH?!

Congrats! No logic to their activities.
Message 4 of 11
alvon123
Super Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!


@Anonymous wrote:
Congrats! No logic to their activities.

+1


Message 5 of 11
SunriseEarth
Moderator Emeritus

Re: Capital One Denies me CLI but gives me a new card? WTH?!


@kingkai1990 wrote:

Okay, so I was approved for a Capital One Quiksilver card. Which is cool. But they seem to not give me a credit limit increase on my current Platinum card. Doesn't make any sense at all. Capital One said that I was late 8 months ago (auto pay issues), and I'm still stuck at a measly $500 limit. 

 

But they approve me for a new card with a $1,000 limit. Why?


They'd rather spread their risk across multiple accounts.   But congrats on approval.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 6 of 11
chalupaman
Super Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!

Capital One is really not making any sort of logical sense on this one yet again, I didn't get a 3x CLI on my Gold Delta Amex card yet I was able to get another revolver with them anyway. CC companies are weird sometimes.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 11
coldnmn
Mega Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!

Congrats! It's typical Cap1.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 11
kingkai1990
Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!


@MissMoni223 wrote:

Take the new card and don't take the CLI denial personal.  If you want, contact the EO for the CLI and/or upgrade on your Platinum card.


Ok. What can the Platinum card be upgrade to?

Message 9 of 11
kingkai1990
Contributor

Re: Capital One Denies me CLI but gives me a new card? WTH?!


@wacdenney wrote:

@kingkai1990 wrote:

Okay, so I was approved for a Capital One Quiksilver card. Which is cool. But they seem to not give me a credit limit increase on my current Platinum card. Doesn't make any sense at all. Capital One said that I was late 8 months ago (auto pay issues), and I'm still stuck at a measly $500 limit. 

 

But they approve me for a new card with a $1,000 limit. Why?


There's no rhyme nor reason to anything Crapital One does.  Don't even try to make sense of it.  You'll be much happier if you just take them for what they are and don't try to figure it out.


True, I'll just take it and run. I just found it inconsistent. GE Capital gave me a CLI easily AND a new credit card. I've heard some stuff on these forums about Cap One, but didn't believe it. Now I do!

Message 10 of 11
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