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Capital One CLI -Surprise

Established Contributor

Capital One CLI -Surprise

I have called Cap One several times over the past 3 months to see if my Visa rewards card ($1800 CL) and my M/C ($1000.00) were eligible for an increase.  The answer was always a decline.  I called just last weekend, got the same message.. even got the letter in the mail a few days ago.  I logged into my account tonight and was VERY surprised to see a $1500.00 CLI - it took me a while to really believe what I was looking at.  My credit scores are probably in the low 600's.  I wonder if the increase had anything to do with my transferring a large balance over to my Visa, which I finally paid down to zero last month.  My M/C was almost maxed before I got this CLI. In fact, I was (still am) going to transfer the M/C balance to my credit union Visa, which has a very, very low interest rate.  Oh, I have had these cards for 2.5 years and both were on the credit steps plan. I think over a six month period the Visa went from $500.00 to $1800.00 and has been there ever since.  The M/C started out at $500.00 too and could have gone up to $1500.00, but I went over my CL one month, so they did not give me my last CLI.   Wow, $1500.00 from Cap One.  This is the first CLI I have gotten from a major credit card company since 2008.  I do not even bother calling HSBC about my Discover and M/C! Smiley Happy

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Message 1 of 6
Moderator Emerita

Re: Capital One CLI -Surprise

Congrats on the CLI! Smiley Happy


Lenders seem to suddenly get in the giving mood this time year!


Friendly, Supportive & Respectful

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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 2 of 6
Established Member

Re: Capital One CLI -Surprise

Hi, I got my first card from capital one no one else would give me on, it was 300.00 in Aug 2010, now only a few months later they sent me another card with a 500.00 limit so I am happy with them. Congrats.
Message 3 of 6
Frequent Contributor

Re: Capital One CLI -Surprise

got a 300 increase on a capital one secured card yesterday as well!!!  now only if orchard bank would start making progress

Message 4 of 6
Established Contributor

Re: Capital One CLI -Surprise

I just spoke to my mom, Cap1 increased her limit by $800 yesterday on her Classic Platinum Visa. I checked my 2 cards, no increase Smiley Sad

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 5 of 6

Re: Capital One CLI -Surprise

I logged on today not thinking about getting a CLI i saw my credit limit and didnt really noticed it until i look at it closely and noticed capital one gave me a $1000 CLI this is my second CLI in the past 4 months im extremely pleased with capital one! they are great!!!

Message 6 of 6