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Regular Contributor
noobody
Posts: 221
Registered: ‎06-21-2012
0

Re: Capital One CLI Request Online Now - UPDATE


sn0man wrote:

Denied: Recent use of this account's existing credit line has been too low

 

Your Credit Score 795 Date: 2013-05-28
Source: Equifax Information Services

 

 

If a 795 can't get the job done, I'm not expecting much farther down the road.


My EQ score from the denial letter is 806

 

and the reason is "A credit limit increase on your account is currently not available upon request in order to review 

account activity at assigned credit limits"

 

can somebody explain to me what is that mean?

Senior Contributor
lg8302ch
Posts: 3,091
Registered: ‎11-13-2012
0

Re: Capital One CLI Request Online Now - UPDATE


noobody wrote:

sn0man wrote:

Denied: Recent use of this account's existing credit line has been too low

 

Your Credit Score 795 Date: 2013-05-28
Source: Equifax Information Services

 

 

If a 795 can't get the job done, I'm not expecting much farther down the road.


My EQ score from the denial letter is 806

 

and the reason is "A credit limit increase on your account is currently not available upon request in order to review 

account activity at assigned credit limits"

 

can somebody explain to me what is that mean?


I would be interested to find out too. My score is 778 EQ Fico but on the Cap1 reply I did not get a score at all. Upon checking my  EQ report. I cannot see any SP  other than from January 2013 ? Where do you see your score? It looks to me that they did not even look at my account / report ?  Or could they have pulled any other TU or EX for me?

 

 Cap1_CLI_answer.png

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Valued Member
liandur
Posts: 46
Registered: ‎08-27-2012
0

Re: Capital One CLI Request Online Now - UPDATE

 


noobody wrote:

sn0man wrote:

Denied: Recent use of this account's existing credit line has been too low

 

Your Credit Score 795 Date: 2013-05-28
Source: Equifax Information Services

 

 

If a 795 can't get the job done, I'm not expecting much farther down the road.


My EQ score from the denial letter is 806

 

and the reason is "A credit limit increase on your account is currently not available upon request in order to review 

account activity at assigned credit limits"

 

can somebody explain to me what is that mean?




".....NOT AVAILABLE IN ORDER TO REVIEW ACCOUNT ACTIVITY AT ASSIGNED LIMITS"

 

 

Haven't received the letteres yet but this what my online document said as well....one rep I spoke with said" they are still reviewing it ,but it is a denial and I can try again in 30 days". The other reps I spoke with said "this is a denial" and none of them could tell me what it meant. The wording is contradictory. My scores are sitting at 740/713/767 right now ---never any lates, collections, etc, low util------ but the report they used said 695 EQ. BTW---NICE SCORE! Someday I'll get there!

Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
0

Re: Capital One CLI Request Online Now - UPDATE


GatorGuy wrote:

I am very surprised to say that the CLI button worked for me! They raised my Venture card from $25k to $30k.


I think you may be the first person to get more than $500. Congrats!


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
0

Re: Capital One CLI Request Online Now - UPDATE


Simply827 wrote:

GatorGuy wrote:

I am very surprised to say that the CLI button worked for me! They raised my Venture card from $25k to $30k.


I think you may be the first person to get more than $500. Congrats!


Thanks. I don't remember seeing anyone else getting more than $500 either which is why I was expecting a certain denial.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
0

Re: Capital One CLI Request Online Now - UPDATE

 

 

".....NOT AVAILABLE IN ORDER TO REVIEW ACCOUNT ACTIVITY AT ASSIGNED LIMITS"

 

I would say this means they want to see how you use the card first before deciding to grant you CLI. Other have been denied CLI for not using enough of their current credit line. 


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Frequent Contributor
Strepthroat
Posts: 260
Registered: ‎06-13-2008
0

Re: Capital One CLI Request Online Now - UPDATE

Requested an increase and received th following reason for decline. 

 

You recently requested a credit line increase for your Capital One® account. Unfortunately, your

account isn´t eligible right now. We know this isn´t the answer you were hoping for and we want to

help you understand why:

 

There has been a change to the credit line on this account in the last 6 months

 

That's exactly the case; received an increase through the Executive Office a few months back.

Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013
0

Re: Capital One CLI Request Online Now - UPDATE


Strepthroat wrote:

Requested an increase and received th following reason for decline. 

 

You recently requested a credit line increase for your Capital One® account. Unfortunately, your

account isn´t eligible right now. We know this isn´t the answer you were hoping for and we want to

help you understand why:

 

There has been a change to the credit line on this account in the last 6 months

 

That's exactly the case; received an increase through the Executive Office a few months back.


Interesting,  I tried the button after I got an increase from EO and stated I was declined because my account was less than 6 months old.

Frequent Contributor
lajntx
Posts: 267
Registered: ‎06-26-2009
0

Re: Capital One CLI Request Online Now - UPDATE


noobody wrote:
 the reason is "A credit limit increase on your account is currently not available upon request in order to review 

account activity at assigned credit limits"

 

can somebody explain to me what is that mean?


Capital One excuse book:

 

Account does not have enough time at current limits to determine if risk potentional meets required guidelines****

 

from the bottom of the page in the footnotes : **** Not like we will give one anways

 

 

Plain English:

 

Thank you for asking for a higher limit, however, we do not want to give you a higher limit because we simply do no want to.

 

Street Slang:

 

Yo fool! You`s think you going to get a limit increase because we allowed you to ask? Ha! are you crazy or sumpthin?

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
New Contributor
jumpinjax
Posts: 72
Registered: ‎02-15-2012
0

Re: Capital One CLI Request Online Now - UPDATE

Cap One's CLI button reminds me of the yellow button when crossing traffic.  You know that this button doesn't work, yet the satisfaction is there that you've somehow stopped traffic a few moments earlier is albeit too irresistable.  Also, this CLI button is Cap One's way of making self-deprecation easier - resist the temptation and move on.


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