Reply
Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

6 months Cap 1/HSBC Auto CLI?

My sixth statement will be generating today or tomorrow. I have read of people getting the auto cli with Cap 1 at six months. My question is has anyone that had a Household Plat that cap 1 took over, approach their 6 months and received an auto? I know I should not hold my breath. I definitely will not be calling for a CLI..LOL

 

Its only a $300 limit. I see cap one has been doing soft pulls on me the last two months. I usually charge up to about 200 on it and pay it down to 30 bucks before the statement cuts. I usually do this twice a month because the limit is so small.

 

Am I getting my hopes up..AGAIN?


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
tcbofade
Posts: 2,297
Registered: ‎09-26-2011
0

Re: 6 months Cap 1/HSBC Auto CLI?

Not to be unkind, but your signature includes a Chase Freedom with a 3k limit...

 

Sock drawer that HSBC/Cap1 card until they close it or charge you an annual fee, then YOU close it...

 

Yes, trying to predict HSBC or Cap1 CLI's would count as getting your hopes up...for nothing...



Current Scores: EX 671 (FCR) TU08: 638 Wally (TU08).10/11//14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: 6 months Cap 1/HSBC Auto CLI?

 

Assuming that this card is now being handled in the same way as other Cap1 accounts, I wouldn't expect any auto CLIs, it is very unlikely.   And in terms of requesting a CLI that's even more of a longshot.  

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Member
billy0226
Posts: 23
Registered: ‎07-07-2012
0

Re: 6 months Cap 1/HSBC Auto CLI?

I requested a cli for hsbc orchard bank account yesterday and got a small $100 increase which i am thinking is better then nothing. I did not see any hard hit on my reports after the request so i am assuming it was a soft pull..hope this helps..

Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

Re: 6 months Cap 1/HSBC Auto CLI?


pizzadude wrote:

 

Assuming that this card is now being handled in the same way as other Cap1 accounts, I wouldn't expect any auto CLIs, it is very unlikely.   And in terms of requesting a CLI that's even more of a longshot.  



I will NEVER request a cli with them again. I am still trying to get rid of two extra pulls from when they said it would be a soft pull. Have 3 on transunion over this card. Was still hoping they would do an automatic cli though.


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
j_casteel
Posts: 1,907
Registered: ‎06-21-2012
0

Re: 6 months Cap 1/HSBC Auto CLI?

I never requested a CLI on my HSBC/Cap1 card until it was at 13mths and perfect history. PIF. They declined me then 2 weeks later charged the AF of $39. It's also a $300 card. I'm thinking about just closing it.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Member
billy0226
Posts: 23
Registered: ‎07-07-2012
0

Re: 6 months Cap 1/HSBC Auto CLI?

when i requested the cli yesterday the account was only 9 months old but i figured i would try. My line was 300 when i requested and they gave me 100 so it boosted me to 400. the guy told me i could ask again for anothe rincrease in 5 or 6 months. I have about 140 on the card i am looking to pay off before i ask again by december.

Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: 6 months Cap 1/HSBC Auto CLI?


j_casteel wrote:

I never requested a CLI on my HSBC/Cap1 card until it was at 13mths and perfect history. PIF. They declined me then 2 weeks later charged the AF of $39. It's also a $300 card. I'm thinking about just closing it.


I would close it, unless you don't have at least 2 other cards or you need the $300 CL for utilization purposes. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
j_casteel
Posts: 1,907
Registered: ‎06-21-2012
0

Re: 6 months Cap 1/HSBC Auto CLI?


pizzadude wrote:

j_casteel wrote:

I never requested a CLI on my HSBC/Cap1 card until it was at 13mths and perfect history. PIF. They declined me then 2 weeks later charged the AF of $39. It's also a $300 card. I'm thinking about just closing it.


I would close it, unless you don't have at least 2 other cards or you need the $300 CL for utilization purposes. 


I think i am going to close it. I have the Cap1 Plat card zero balance, and the AMEX Zync $500 w/autopay. I also just recently became AU on a Citi World card 0/11,400 and AMEX Blue Cash 0/33,300. I'm not worried about util b/c i always PIF anyway. All these cards are PIF and have NO baddies. So i think i'm gonna close the HSBC/Cap1 card and just garden for a bit. I don't need the $300 limit, and its only ~14.5 mths old.

 

Thanks,

 

John

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: 6 months Cap 1/HSBC Auto CLI?


j_casteel wrote:

 

I think i am going to close it. I have the Cap1 Plat card zero balance, and the AMEX Zync $500 w/autopay. I also just recently became AU on a Citi World card 0/11,400 and AMEX Blue Cash 0/33,300. I'm not worried about util b/c i always PIF anyway. All these cards are PIF and have NO baddies. So i think i'm gonna close the HSBC/Cap1 card and just garden for a bit. I don't need the $300 limit, and its only ~14.5 mths old.

 

Thanks,

 

John


Good call ~ It will stay on your credit reports for 10 years from the date closed, and you save the AF.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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+
}