Cap One still a joke!

[Shock]

People are reporting higher CLI's thru LUV button vs the standard 500 dollars or flat out decline.

[Brax]

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@indiolatino61 wrote:

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@lexrjSD wrote:

My crap one is my 1st card PCed from Platinum to QS, it started with a $500 CL and now is at $1750. It's been 3yrs since I have the card and their soft CLIs won't go higher than $500 each time. Since I could care less if I keep the card or not, today I decided to make an experiment, when asking for my online soft CLI I put my income as $1million. Guess what? Didn't make a difference, was offered the same pathetic $500.

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It looks like the luv button is capped at $500. The only route that seems to work consistently is emailing the EO. The best of luck to you.

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Maybe historically, but two weeks ago the button gave me a $5,000 increase from 2K to 7K. EQ FICO at the time was between 683-689.

[lg8302ch]

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@axledobe wrote:

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@Shock wrote:

The LUV button gave me 500. EO gave me 500. Then EO gave me 1500. I think it's because they matched my CDP limit at the time.

And contrary to what everyone has said, they have been nothing but helpful to me. I honestly like CapitalOne.

Yeah they get a bad wrap, but their venture card is 2x miles on everything, with a reasonable 59 dollar annual fee. Compare that to AmEx's 95 bucks just for a non revolver, or even Barcays Arrival 2x miles for 89 dollars.

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Ditto

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ditto...absolutely no complaints here either

[Brax]

Also, are you guys even using your Cap 1 cards? 1-2 swipes a month won't cut it for getting an online CLI, ever. I got repeatedly declined for a CLI in Feb until I ran 5 or so swipes through of maybe $3 each.

[Shock]

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@Brax wrote:

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@indiolatino61 wrote:

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@lexrjSD wrote:

My crap one is my 1st card PCed from Platinum to QS, it started with a $500 CL and now is at $1750. It's been 3yrs since I have the card and their soft CLIs won't go higher than $500 each time. Since I could care less if I keep the card or not, today I decided to make an experiment, when asking for my online soft CLI I put my income as $1million. Guess what? Didn't make a difference, was offered the same pathetic $500.

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It looks like the luv button is capped at $500. The only route that seems to work consistently is emailing the EO. The best of luck to you.

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Maybe historically, but two weeks ago the button gave me a $5,000 increase from 2K to 7K. EQ FICO at the time was between 683-689.

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Wow. Are you a heavy spender?

[Shock]

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@Brax wrote:

Also, are you guys even using your Cap 1 cards? 1-2 swipes a month won't cut it for getting an online CLI, ever. I got repeatedly declined for a CLI in Feb until I ran 5 or so swipes through of maybe $3 each.

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So you ran 15 bucks thru in February and got a 5k increase?

[lg8302ch]

The luv button gave me flat out denials for quite some time and I figured it is my way to free EQ Fico score....then what a shock ..went from 5K to 10K...love Cap1 ..now I will never touch the button anymore 

[Shock]

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@lg8302ch wrote:

The luv button gave me flat out denials for quite some time and I figured it is my way to free EQ Fico score....then what a shock ..went from 5K to 10K...love Cap1 ..now I will never touch the button anymore 

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Again...are you a heavy spender?

[lg8302ch]

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@Shock wrote:

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@lg8302ch wrote:

The luv button gave me flat out denials for quite some time and I figured it is my way to free EQ Fico score....then what a shock ..went from 5K to 10K...love Cap1 ..now I will never touch the button anymore 

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Again...are you a heavy spender?

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Nope..none of my cards get more than 10-20%....my income does not allow to use my full CLs...hate debt so I only PIF

[Brax]

Correct.

I've had the card almost 5 years and aside from spen

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@Shock wrote:

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@Brax wrote:

Also, are you guys even using your Cap 1 cards? 1-2 swipes a month won't cut it for getting an online CLI, ever. I got repeatedly declined for a CLI in Feb until I ran 5 or so swipes through of maybe $3 each.

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So you ran 15 bucks thru in February and got a 5k increase?

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Yes. Looking at my statement it was actually $23.

I've had this card almost 5 years but would only spend $100 every few months on it (at best).