cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1, how often for a CLI?

tag
masscredit
Valued Contributor

Cap1, how often for a CLI?

One of my Cap1 cards received a CLI in May. Roughly when should I request another one? It gets a lot of use and paid to $0.00 monthly. I'm thinking November (6 months).
Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 5
4 REPLIES 4
FinStar
Moderator Emeritus

Re: Cap1, how often for a CLI?


@masscredit wrote:
One of my Cap1 cards received a CLI in May. Roughly when should I request another one? It gets a lot of use and paid to $0.00 monthly. I'm thinking November (6 months).

After 6 months from the last CLI.

Message 2 of 5
red259
Super Contributor

Re: Cap1, how often for a CLI?


@FinStar wrote:

@masscredit wrote:
One of my Cap1 cards received a CLI in May. Roughly when should I request another one? It gets a lot of use and paid to $0.00 monthly. I'm thinking November (6 months).

After 6 months from the last CLI.


If you get a minimal auto cli do you have to wait six months as well or is it six months from CLI that you requested?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 5
FinStar
Moderator Emeritus

Re: Cap1, how often for a CLI?


@red259 wrote:

@FinStar wrote:

@masscredit wrote:
One of my Cap1 cards received a CLI in May. Roughly when should I request another one? It gets a lot of use and paid to $0.00 monthly. I'm thinking November (6 months).

After 6 months from the last CLI.


If you get a minimal auto cli do you have to wait six months as well or is it six months from CLI that you requested?


I believe it's both but others who may have had different outcomes can chime in.  Typically, the system will decline a CLI if it detects you've receive any within the last 6 months.  I think folks usually then try the EO channel in some cases to see if there's some flexibility in that policy - mixed results of course.

Message 4 of 5
masscredit
Valued Contributor

Re: Cap1, how often for a CLI?

I recieved my last increase through the EO office. Went from $1500. - $2500.  I'll schedule my next request after my statement cuts the beginning of Dec. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.