Cap One and the 10 day message for a cli

[topisnear]

So last night i got the urge to try the luv button for both of my cap one cards. one a venture and the other just received a pc from platinum to Quicksilver one. Both attempts gave me the 10 day notice, ugh. 3500 limit on the venture and a small 1000 limit on the QS. Their score tracker shows a credit score of 675. Im not to concerned about the venture limit but i would like to get the QS to ATLEAST 3 grand. Oh well we shall see what they say.

[Kmon]

Good luck, hard to get capital one to budge tried a couple weeks ago and no go but your luck may be better!

[AirlinerDudeB6]

If you are enrolled in paper documents with Cap1, there should be a letter in your online documents either today or tomorrow stating the reason for the denial.

I would start there and see what it is .

[topisnear]

The CSR told me that as well, so I went ahead and updated the system to receive online documents. Hopefully it was enough time to receive this electronic letter.

[john398]

CapitalOne seems to use an old SP report when evaluating a CLI, for me it was like 6 weeks older than what I requested

[Dw4250]

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@john398 wrote:

CapitalOne seems to use an old SP report when evaluating a CLI, for me it was like 6 weeks older than what I requested

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Yes they are notorious for this practice.  Last time I applied for a CLI, they pulled a 6 month old report for me!!!!  I had to go through the EO and eventually got a bump.  But yeah as often discussed on here, their business practices are pretty quirky.

[TimeToRecover]

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@topisnear wrote:

So last night i got the urge to try the luv button for both of my cap one cards. one a venture and the other just received a pc from platinum to Quicksilver one. Both attempts gave me the 10 day notice, ugh. 3500 limit on the venture and a small 1000 limit on the QS. Their score tracker shows a credit score of 675. Im not to concerned about the venture limit but i would like to get the QS to ATLEAST 3 grand. Oh well we shall see what they say.

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Their score tracker is just credit karma and it is a FAKO score.  Now if they decline your cli they will send you the score from their last account review.  they tend to soft pull alot for account reviews.