Capital One and CLI

[RJCE]

I have been trying for a year to get an increase but they flat out refuse and I don't understand why. I've had the QS1 for 2 1/2 years and it's still at $500. I've had limit increases from all the other cards I have within the last year. My scores are as follows: FICO Bankcard Score: EQ:773, TU: 722 & EX: 716. I would think these scores are good enough for higher than $500. Hardly worth keeping open. Use it now just to auto pay Netflix, Lifelock and Experian each month. Auto pay off each month. Anyone experience same with Capital One?

[CountryLivin]

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@RJCE wrote:

I have been trying for a year to get an increase but they flat out refuse and I don't understand why. I've had the QS1 for 2 1/2 years and it's still at $500. I've had limit increases from all the other cards I have within the last year. My scores are as follows: FICO Bankcard Score: EQ:773, TU: 722 & EX: 716. I would think these scores are good enough for higher than $500. Hardly worth keeping open. Use it to auto pay Netflix each month. Auto pay off each month. Anyone experience same with Capital One?

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Did they give you a reason? I know that Cap 1 likes to see a lot of usage on their cards. Maybe use it more and pay it down for a couple months, then try again.

[RJCE]

They just give me a standard reply, 'this card isn't legible for an increase at this time' or something to that effect. I'd close the card if it wasn't my oldest open account.

[peghede]

Crap One sucks ,is not like before,they greddy in vs/mc they look for every excuse in the book to deny cli, .i have 2 cards with them i use cards once every 11 months for 2, 3 bucks  so they don't close them.,ill close both of them some time next year.

[Dhani76]

Yeah same here. I've had the card approx since Feb & they said at the time with good standing I would be eligible for an increase after 6 months. In April I tried anyway & they gave me $100 increase for a total of $400 😂. Like you I have other accounts granting me more generous CLIs so will see how the rest of the year pans out.

[Moneyklutz]

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@CountryLivin wrote:

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@RJCE wrote:

I have been trying for a year to get an increase but they flat out refuse and I don't understand why. I've had the QS1 for 2 1/2 years and it's still at $500. I've had limit increases from all the other cards I have within the last year. My scores are as follows: FICO Bankcard Score: EQ:773, TU: 722 & EX: 716. I would think these scores are good enough for higher than $500. Hardly worth keeping open. Use it to auto pay Netflix each month. Auto pay off each month. Anyone experience same with Capital One?

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Did they give you a reason? I know that Cap 1 likes to see a lot of usage on their cards. Maybe use it more and pay it down for a couple months, then try again.

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Try this!!

In the last 13 months I've seen my original Cap 1 Journey card grow from 3k to a free autobump at 6 months to 4k, then I PC 'd (yay link!~) over to a Quicksilver at ten months and finally after the 12 month statement posted, I hit the 'may I have another' button and they added another 2k, so as of now I'm sitting at a 6k CL. I use it often and always pay it full each month.

It's my normal goto card when I purchase anything outside of Costco or fuel. Maybe regular usage and payments predicates their willingness to raise the credit limit? You might want to give that a shot before tossing it and your history aside.  

[simplynoir]

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@Moneyklutz wrote:

Try this!!

In the last 13 months I've seen my original Cap 1 Journey card grow from 3k to a free autobump at 6 months to 4k, then I PC 'd (yay link!~) over to a Quicksilver at ten months and finally after the 12 month statement posted, I hit the 'may I have another' button and they added another 2k, so as of now I'm sitting at a 6k CL. I use it often and always pay it full each month.

It's my normal goto card when I purchase anything outside of Costco or fuel. Maybe regular usage and payments predicates their willingness to raise the credit limit? You might want to give that a shot before tossing it and your history aside.  

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Exactly. Even though CapOne has tightened up on their customers recently they'll still give them when you show regular usage and (if not full then at least several times more than minimum) timely payments on the account for at least the several month prior submitting any CLI request. Just having a small monthly recurring charge like Netflix is not gonna cut it with them. CapOne's reasoning is If you're not gonna use the card regularly why would they give a larger CL when the one you have currently is sufficent?

Another thing that may be holding your account back from receiving CLIs is the account terms when you got the card. It seems whatever credit profile you had when you get the card seems to get stuck on that profile. So even if your scores have improved since you received the card it's sometimes really hard to get out of those clutches. It's why some people just re-app with the Venture to get a high SL and then transfer it back to their main driver like the QS after the 6 month waiting period for combinations.

[Total80sKid]

Nope and Cap1 is on my chopping block.

Secured card for 3yrs only got a $200 credit steps increase won't give me anything else or unsecure the card.

Same deal with my QS1.

3yrs old, got $250 credit steps increase to $750 and I hit the request button a few months ago and gave me a whole $100 more.

The limits are fine as I don't have any interest in using a company who doesn't treat me well, but to not at least upgrade one of my cards to no AF?

Not to mention a HP on all 3 if I try to apply for a regular card with the possibility of getting a bit more.

I think they are great for rebuilders but they don't tend to grow with you, at least that's my experience.

[Anonymous]

If you acquired your Cap1 during your rebuild, it kinda caps out and will not grow. I am 99% positive if your pre-qual for one of their top cards (venture, dining or QS) you will get a much nicer limit. 

I know some have the QS that was upgraded from the platinum or QS1.....but that does not apply. 

[601flyguy]

I see ppl referring to the fact that the terms and credit rating at the time of apping may prevent you from getting nice cli. But, when you pc using the link, is that the workaround or will you still be in the same "bucket"?