Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 324
Registered: ‎08-03-2013
0

Cap 1 Luv Button - Recon?

Hi Guys

Well i found out today that the love button works - It got me from $750 to $1250

 

I was kind of disappointed with the increase, I was able to tick all boxes in their CLI checklist (usually pays a big chunk of balance, yada yada) I have had the card for 18 months, make multiple payments a month to keep my util low, no bad comments at all across all my cards (i only have 3)

 

I hit the love button because it said that they would not pull a hard enq (didnt care if they did) so i thought "why not"

 

It does say do not ask for another CLI within 6 months (this is my first CLI in 18 months - should I send a nice email to the office - or leave it be?

 

Thanks

 

Chris


Amex BCE -Amex ED - Chase Slate - Citi Diamond Preferred - Citi Double Cash - Discover IT - US Bank Platinum - US Bank Select Perks

Target Of 780 Reached + Onward and Upward Smiley Wink

Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Cap 1 Luv Button - Recon?

Never hurts to try ..good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Mega Contributor
Posts: 17,123
Registered: ‎08-08-2011
0

Re: Cap 1 Luv Button - Recon?

Congrats!  I guess it wouldn't hurt to try but your chances are slim to none. YMMV

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: Cap 1 Luv Button - Recon?

[ Edited ]

The CLI is based on the information you provided, the account's history and CR profile.  Unless you're going to be using this CC as your primary one and doesn't meet your spend habits, then it's something to consider.  And, if nothing has changed on your profile, not sure if the EO channel would be any more well-versed to provide any more CLI through U/W.  IMO, the EO channel should be used as last resort in the event that your account had not been reviewed for a CLI in quite a while or to address other major concerns associated with your account (i.e. fees, rewards, PC, etc.).  Seems like the CLI is decent?  Of course, YEMV...

Valued Contributor
Posts: 1,066
Registered: ‎07-09-2013
0

Re: Cap 1 Luv Button - Recon?


FinStar wrote:

The CLI is based on the information you provided, the account's history and CR profile.  Unless you're going to be using this CC as your primary one and doesn't meet your spend habits, then it's something to consider.  And, if nothing has changed on your profile, not sure if the EO channel would be any more well-versed to provide any more CLI through U/W.  IMO, the EO channel should be used as last resort in the event that your account had not been reviewed for a CLI in quite a while or to address other major concerns associated with your account (i.e. fees, rewards, PC, etc.).  Seems like the CLI is decent?  Of course, YEMV...


I just talked to someone in the EO today, even though I got a CLI on all 3 cards 30 days ago they can submit for a manual review. I went from 500>1000, 500>1000, 300>1000. I just cleaned up my reports so I asked for 5k each. They are "researching" right now. So if you want a higher limit contact the EO.


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.