cancel
Showing results for 
Search instead for 
Did you mean: 

Cap One CLI Help

tag
Anonymous
Not applicable

Cap One CLI Help

My friend has a Capital one Platinum with a limit of $300 she currently has a balance of $0 and she wants to know how to get a CLI with a SP or HP..

 

i dont have a cap 1 so i dont know

 

..thanks in advance

Message 1 of 16
15 REPLIES 15
TRC_WA
Senior Contributor

Re: Cap One CLI Help

It's a SP... request it thru the website and if denied send the EO a Facebook message.

 

Generally it's 6 months between CLI's... at least that's how it's been for me.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 2 of 16
Anonymous
Not applicable

Re: Cap One CLI Help

Perfect Thank you! we will try it in a bit.


@TRC_WA wrote:

It's a SP... request it thru the website and if denied send the EO a Facebook message.

 

Generally it's 6 months between CLI's... at least that's how it's been for me.


 

Message 3 of 16
percy81
Frequent Contributor

Re: Cap One CLI Help

Tell your friend not to get too excited about requesting an increase. I've had that card since dec 2010 which started at 300 and capped at 1,000 for the last few years. I have very good credit and enough income to warrant a better limit. I emailed CEO's, called backdoor numbers blah blah blah and NOTHING!! I'm actually logged on now to post my own topic on capital one in regards to canceling the account.

 

Good luck, I hope your friend has more luck than I did.

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 34,000/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 20,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 4 of 16
TRC_WA
Senior Contributor

Re: Cap One CLI Help

My experience has been the opposite...

 

$1000 > $1500 > $2000 > $4000

 

$500 > $750 > $2750

 

 

The first increase on each was Credit Steps... the second increase on the top card involved a call to the EO...  The last $2000 increase on both cards were luv button...

 

I rarely use either card ($50-$200 per month if that) and they are mainly for UTI padding because Sallie Mae gets the vast majority of my card usage now.  Prior to Sallie Mae that distinction went to my BECU card.

 

YMMV...

 

 

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 5 of 16
Anonymous
Not applicable

Re: Cap One CLI Help

we will see what happens. we just did the CLI and it says it will be under review. 

Will update the Thread on the decision which it will be most likely for monday 

Message 6 of 16
Anonymous
Not applicable

Re: Cap One CLI Help

My last request via online request took about 7 days before it was approved. Went from $500 to $3500. While that sounds good
Message 7 of 16
Anonymous
Not applicable

Re: Cap One CLI Help

Sorry accidentally hit post before I was done.

My last request via online request took about 7 days before it was approved. Went from $500 to $3500. While that sounds good it took a long time. Second CLI in the 4.0 years I've now had the card. While the CLI was under review I got the card PCd from the Platinum to QuickSilver One. The same day I requested the CLI I applied for the QuickSilver card and was instantly approved for $1000. Then I applied for the Barclays Rewards MC but it was initially deniend then I called for reconsideration a week later and approved for $1000. Good luck to you!
Message 8 of 16
stagefoursurvivor
Established Contributor

Re: Cap One CLI Help

FWIW, Opened QS1 & Plat MC early November, after several attempts at CLIs, got fed up and applied for QS, instant $5K approval with better APR & BT.

Still scratching my head

YMMV

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 9 of 16
elim
Senior Contributor

Re: Cap One CLI Help


@stagefoursurvivor wrote:

FWIW, Opened QS1 & Plat MC early November, after several attempts at CLIs, got fed up and applied for QS, instant $5K approval with better APR & BT.

Still scratching my head

YMMV


yeah i hear the low limit starters are hard to increase unless you call EO or go thru social media. 

its a shame it takes 3 HP's to get a better card with them but seems like the fastest way to grow.

Message 10 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.