01-09-2014 03:23 PM - edited 01-09-2014 10:22 PM
This is my oldest card, $500 limit originally from Household bank and its now by Cap1.
Never got any CLI and its now a plain platinum card, no rewards and no AF and I haven't used it for over 2 years
I'm wondering anyway to "trigger" an auto CLI on it without a hard pull? Would like to keep it but the limit is really annoying.
01-09-2014 03:32 PM
There is no auto "luv" yet...still stuck on the $500 limit.
So you didn't get a CLI ....understand now...sorry
Ask for that as well when you contact them and it all a SP
Ask for 10k they will counter
01-09-2014 04:41 PM - edited 01-09-2014 04:43 PM
Hold off on contacting the EO at least on the CLI portion, their policy is you must have made 3 months worth of payments in the past year to qualify for a CLI. I am in same boat after not using it for 1 yr, had it converted to the QS and am now using it for the 3 month period to be able to qualify for a CLI.
01-09-2014 06:17 PM
Honestly, you should contact EO about producting changing to Quicksilver, adding a rewards program, lowering APR, and perhaps a CLI.
This sounds like alot to ask for but it isnt. Lots of success stories on here for all of those in one sitting. Maybe your card isn't eligible for a CLI since its one of the older ones.
One caveat, which is likely to any CCC, they arent going to extend you credit if you don't need it. So use the card first.
01-09-2014 08:07 PM
Lenz...google Capital One CEO email address. Email that address your request. Ask for more than you want. Give them your CC # and your phone number. They will call you back in a day or two. I did this for my Sparks card and they called me within 2 hours!
They will do the normal validate who you are mumbojumbo and then ask how much you want. Tell them you're inflated amount and why you are worthy of a CLI. They will ask you if you will settle for less and you agree to that. Tell them you want to be upgraded to a Quicksilver Rewards card or better. They will tell you that they will send it to underwriting to make a decision. They have ALWAYS given me a CLI. One time it was only 3 months after the last one. Good luck!
01-09-2014 10:13 PM
Thanks. I contacted capital one through online chat and was able to PC to a quick silver card.
Still same low limit, the chat agent said I could request a cli online as he can't initialize it from their end, and it will be a softpull. Is it true?
I decide to do the CLI thing after getting the new card.
01-09-2014 10:28 PM
OK, found this useful thread:
so seems its a sp. Will report back after I got the QS card.
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.