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

Established Contributor

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

Congratulations!  It's been almost three years since my last Capital One CLI, so I've been sitting with a $1800 CL for all this time.  I no longer use the card, since it offers no rewards, but I pay the $3 monthly fee to keep it active, just in case I need the credit in an emergency.  Hopefully, I will be able to get rid of it by next year, and then i'll no longer have any CCs with AFs.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Established Contributor

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

Reading this post brought back memories. I hadn't joined this forum back in 2008 and I had just received my Capital One card. I was in the Credit steps program and I did get 2 CLIs. From $300 to $500 and whoa, a big jump to $2500. I kept looking and hoping every month after my last increase to see if I would get another CLI. After every single statement, the answer was always the same. No additional CLI. I then tried calling or requesting CLIs online. Nope, didn't work either. Then I found this website and everything made sense.

 

Almost five years later, I still have the same CL. I'm just holding on to the card for the few times I do travel international and because they were the first company to help me clean up my credit. I'm pretty sure I won't be getting a CLI anytime soon though Smiley Happy

 

 


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Frequent Contributor

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

Hey aussiesareforever, do you have an AF  of $19? I wonder if there's anyway to get them waived.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Regular Contributor

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


WarJar101 wrote:

Hey aussiesareforever, do you have an AF  of $19? I wonder if there's anyway to get them waived.


Capital One waived the $39 AF on my No Hassle Rewards Cashback MC recently after I called to close it. I was really surprised because I thought I would get their BS answer "Sorry, there is nothing we can do at this time, but ever month we monitor your account, so in the future...".

They wouldn't lower the APR on my non-AF card with them ($2750 limit - 24.9%) so it will just be sitting there improving my AAoA.

Established Contributor

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

 
Amex Delta Gold 1.5K Amex HH 2k Amex PRG NPSL, AMEX BCE 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 16.5K Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7K Gap Visa $8.5K; Walmart MasterCard 7.5K Sam's Club MC 9.5K Venture $15K Venture One 10K Quicksilver Visa Siggy 5K, Citi Shell MC 2k, Total Rewards Visa 4.2K Fuel Rewards MC 3K CITI AA Gold WEMC 8.4K Paypal Extras MC 8K, Citi Diamond WEMC 3.5K, Cit DC WEMC 3k, Citi Hilton Visa Siggy 8k.
Frequent Contributor

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

What number


charyot77 wrote:

WarJar101 wrote:

Hey aussiesareforever, do you have an AF  of $19? I wonder if there's anyway to get them waived.


Capital One waived the $39 AF on my No Hassle Rewards Cashback MC recently after I called to close it. I was really surprised because I thought I would get their BS answer "Sorry, there is nothing we can do at this time, but ever month we monitor your account, so in the future...".

They wouldn't lower the APR on my non-AF card with them ($2750 limit - 24.9%) so it will just be sitting there improving my AAoA.


What number did you call charyot? An exec office number?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX