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CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

Frequent Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

Wow!  Sounds like you've done quite a bit of cleanup Smiley Happy  Congratulations - you should update your signature to reflect your hard work!

 

My Cap1 will hit it's 5th statement later this month so I'll get my paltry $250 CLI...I'm still excited for it though :-P

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 11 of 36
Frequent Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

@charyot: That gives me a glimmer of hope for my future with Cap1 since I also plan to keep mine open because of the no FTF.  Did you use the card a lot?

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 12 of 36
Established Member

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

yeah i was expecting 200 and was going to be happy with it lol.


Starting Score: 579
Current Score: 713
Goal Score: 720


Take the FICO Fitness Challenge
Message 13 of 36
Established Member

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

the first month i used it a couple times. stoped using it for 2 months then just used it once or twice a month after that.


Starting Score: 579
Current Score: 713
Goal Score: 720


Take the FICO Fitness Challenge
Message 14 of 36
Regular Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!


isoldmyatlas wrote:

@charyot: That gives me a glimmer of hope for my future with Cap1 since I also plan to keep mine open because of the no FTF.  Did you use the card a lot?


No, not really. I think the max I charged (when it reached $750) was plane tickets for about $500 but I paid it off the next month.  I used it sparingly.

 

The increase came at just around Christmas time last year but I was able to avoid the temptation of going wild with the card. Smiley Happy

 

Maybe CapOne gives increases if they dont think you need it. Smiley Frustrated

Message 15 of 36
Frequent Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

I put around $400-$500 on mine each month but make payments 1-2x a week so my credit line never dips below having $250 available.  Reporting balance I keep between 2 and 7%.

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 16 of 36
Valued Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!


charyot77 wrote:

My Capital One Platinum (no AF, but really high APR) went from $500 to $750 to $2750 in about 18 months.

 

I never asked for a CLI because I've heard that asking is a waste of time, but I can verfiy that they give decent increases.

 

I've recently been approved for better cards, but I'll keep the platinum open because Capital One doesnt charge international transaction fees.


how do you using to get that great bump up ? Share please....

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 17 of 36
Regular Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

 


nicholasyud wrote:

charyot77 wrote:

My Capital One Platinum (no AF, but really high APR) went from $500 to $750 to $2750 in about 18 months.

 

I never asked for a CLI because I've heard that asking is a waste of time, but I can verfiy that they give decent increases.

 

I've recently been approved for better cards, but I'll keep the platinum open because Capital One doesnt charge international transaction fees.


how do you using to get that great bump up ? Share please....

 


My usage was very similar to the OPs.  

 

I never ran heavy use through it and sometimes only used it once or twice a month for small purchases.  It was a credit steps card (though no AF) and I got the boost from $500 to $750 after 5 months. For the whole next year it sat there though month 17, then I logged in one day and almost fell over when I saw my limit jumped by $2k.

 

I really think Capital One will give you the credit if they dont think you need it. 

Message 18 of 36
Frequent Contributor

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

If I didnt get to see.....

 

"No offers are currently available for this account.  It's possible that your account status has changed or that you have made changes to this account.

We periodically update offers to this account, so please check back another time.  Thanks for being a Capital One cardholder!"

 


every time you look, why the site visit wouldnt be complete LOL Smiley Very Happy

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 19 of 36
Moderator Emeritus

Re: CAPITAL ONE GAVE ME A HUGE CLI!!!!!!!!!!!!!!!!!!!!!!!!!

That's more like it!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 20 of 36