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Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Capital One CLI *X

Man, do I love the EO right now.

 

My Capital One card was my first card...I've had it for 11 years. It started with a $200 limit and then a year or so later I tried the luv button (on the phone, but still, an automated CLI request) and got up to $500.

 

I finally called and asked for a CLI. She asked what I wanted and I told her that my highest card was $10k and that aside from my Target Visa, everything else was around $5k or more. She put in a request for $10k and asked if I would accept less. I told her I would.

 

She left me a voicemail today - (I had talked to her Friday) - "I just wanted to let you know that it went through". Her wording was vague, and she did not mention a #. I logged into my Capital One account IMMEDIATELY.

 

$5000. I went from $500 to $5k a month after denial through normal means. Sure, it probably helped that the last of my collections vanished off of my report since then, and that my utilization went way down....but, really. Wow.

 

I had previously been told that because of the type of card it was that the max limit it would EVER have was something like $1500. Maybe I'll even start using it!


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Established Contributor
Posts: 516
Registered: ‎10-25-2012
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Re: Capital One CLI *X

Congrats on the increase! You've had better luck with them than I did, but then again mine was an Orchard, and the transition "isn't complete yet"

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950 |

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Capital One CLI *X

CONGRATS!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Capital One CLI *X

Wow, yeah mine has been stuck at $1500 for a long time!  Congrats!!! 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Regular Contributor
Posts: 361
Registered: ‎02-01-2010
0

Re: Capital One CLI *X

Congrats! I think I will contact them before funds run out. LOL! I've been trying not to request CLIs but...temptation calls!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13,000 | FNBO 11,600 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Discover 4,000 | Sam's Club 3,000 | Sears 900
Community Leader
Senior Contributor
Posts: 4,326
Registered: ‎11-13-2012
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Re: Capital One CLI *X

Nice. Congrats!
Move the mouse over the cards for detailed view!
FICO® EQ 797 (as of today) - TU 773 (03/28) - EX 781 (04/03).. ¦ ..Fako EX 770 (04/03 - CS)
Vantage score 3.0 TU 770 - EQ 793 (CK 04/03).. ¦ ..AAoA 3yrs9mts.. ¦ ..INQ EQ (2) TU (5) EX (2)


Community Leader
Senior Contributor
Posts: 26,757
Registered: ‎02-07-2013
0

Re: Capital One CLI *X

Nice CLI congrats way to goooooo!!!!!!!!!!!!!!!!

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Capital One CLI *X

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Capital One CLI *X

Wow that's super nice! Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Capital One CLI *X

It probably helped that my EQ went from 676 to 744 in the meantime...but they have always sent me denial letters that say something like "this account is not eligible for a credit line increase at this time" as the reason. I could understand if there were a reason beyond that....but anyway, I'm still in disbelief!

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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