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I checked my CapOne account on Tuesday, April 1. I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer. I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!). But, CapOne gave me the "7-10 day" response. I got the letter yesterday, and it said it was due to the account not having any activity since last August. I've gotten CLIs on most of my other cards over the last 6 months, so was surprised. I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up. I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines. Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!
@Seatown1two wrote:Logged in to my account tonight and got a message just before the login screen that's titled "you deserve more credit", answered a few questions and BAM. CLI of 1500. Has this happened to anyone else? Anyone ever get denied who went through this process?
Congrats on your CLI
@mygoal750 wrote:I checked my CapOne account on Tuesday, April 1. I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer. I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!). But, CapOne gave me the "7-10 day" response. I got the letter yesterday, and it said it was due to the account not having any activity since last August. I've gotten CLIs on most of my other cards over the last 6 months, so was surprised. I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up. I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines. Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!
Or they don't like the fact that they get no swipe fees from you not using their CC. Cap One definitely likes use.
@Seatown1two wrote:Logged in to my account tonight and got a message just before the login screen that's titled "you deserve more credit", answered a few questions and BAM. CLI of 1500. Has this happened to anyone else? Anyone ever get denied who went through this process?
Congrats! And no, I've had to fight to get CLIs from Cap One. Oh well.
@SunriseEarth wrote:
@mygoal750 wrote:I checked my CapOne account on Tuesday, April 1. I paid it off last August...opened it May, 2012 to take advantage of a 0% balance transfer offer. I had just received a requested CLI on my Amazon card, so thought I'd give it a shot with CapOne. My Amazon card was used over Christmas, paid in January, and I got a $600 CLI (better than no, I guess!). But, CapOne gave me the "7-10 day" response. I got the letter yesterday, and it said it was due to the account not having any activity since last August. I've gotten CLIs on most of my other cards over the last 6 months, so was surprised. I usually take advantage of 0% financing offers from Home Depot and Lowes, and once paid off, I I usually get auto CLIs on both of them. Once I pay off 0% offers, I usually don't use the cards again until another offer comes up. I know that CapOne isn't a "store card" but at $3,000 CL, it's one of my lowest lines. Apparently, they don't like the fact that in the 15 months I had the card, I didn't pay any interest!
Or they don't like the fact that they get no swipe fees from you not using their CC. Cap One definitely likes use.
I don't know what they want. I use both of mine up to the limit and PIF almost every month. Had one since June 12 and the other since Oct 13 and both are still at $300 right where they started. Have tried the luv button and the EO and nota. Did get the AF removed at least so I will keep them and try one more time at least before sending them to the SD