Capital One going prime mode ???

[SouthJamaica]

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@Anonymous wrote:
Sooooo I got the luv button on my cap1 and was denied - only reason? "Based on your report your credit score is too low for a cli at this time". Score pulled: 704!?! I recall getting big CLI from them with scores under 640 not long ago.

My partner got the same message with a score of 723!!!!! Something seems way off. What is their CLI hreshold now? 800?? It's funny how Cap1 seems to go between being super sub prime in their approvals to being harder than CHASE or Barcaly.

Any similar stories? My last CLI was in March.

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Same with me. They used to give me CLI's regularly. During past year I keep getting denied for score too low. Score was mostly in neighborhood of 695 on FICO 5 EQ.

[pizza1]

I just got an CLI just now, and my scores are like mid to high 600's. I don't even know what they are, but last scores are in my siggy. I guess it just depends on the person/usage etc... Im sure you'll get one in the future.

[NRB525]

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@Anonymous wrote:
$13.6k me. $20,000 partner

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Your Siggy shows $23k overall with CapOne?

My suggestion is your cards are at their limit for CLI. The sky is not the limit on CapOne CLI requests.

If you app a new CapOne card, likely will see a good new limit.

[thummel]

Capital one is very strange for me. I have maxed out my cards with them numerous times and they always give the same exact reason that my score isn't high enough. Not sure if they want an 800 score or what the problem might be. Just think it's funny people can run small amounts through and get a big cli, but I can spend 10K in one transaction, pif and not get one. Capital one is an odd lender to me.

[Kevin86475391]

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@yfan wrote:
Your and your partner's CLs are fairly high. It's possible they meant you don't meet the score thresholds to increase your limits above those levels. This would be consistent with them giving CLIs to people with lower scores but also lower limits.

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My thought exactly. It may be that your score doesn't meet their standards for an increase, but that's based on your current credit limit, income, and overall profile. So for example you probably COULD get a CLI with the exact same score if your limit was half its current level and/or if your income was 20K higher or something. I'm sure it's score based on current limit and income.