Capital One online CLI request denial clarification

[scuba_steve]

Long term lurker here that has made great strides in improving my credit score thanks to the info available here. We just moved half way across the country and closed on a house. I've had a Cap 1 account since 2008 and received rapid CLI increases in the beginning, then stopped at $4000. I've tried the luv button and been declined in the past for various credit report related issues. So, after closing on the house, I thought I would try again. This is the response I received today:

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:
A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.
In case you need a little more clarity, we´ve included some additional information on a separate page. You´ll see FAQs, common reasons that requests for credit line increases are declined, and useful suggestions on what you can do next.
We hope you find this information helpful. If you have other questions, go to www.capitalone.com/creditlineFAQ

Has anyone else received this response and know what it means? To me, it sounds like they are asking me not to try the online request anymore.

[Creditaddict]

send them a message on Facebook and let the EO office call you and get a manual review done of your account for cli.

[maiden_girl]

It sounds like you have a credit step card. I would call the EO as suggested.

[_sidhe_]

I saw this a while back on my QS, and I think it's just a copy and paste response they send to everyone and not that you necessarily have a secured card.

[jamesdwi]

sounds like marketing speak, for "sorry no CLI at this time, here are some words of comfort so you don't kick our card to the curb or the sock drawer"  Try back again in 6 months. 

[scuba_steve]

It's not a credit steps card. It started out that way, then I PC'ed it to a Venture card a few years ago. I did PC it to QS about 5 months ago (and really enjoy the cash back rewards). I wonder if it just hasn't been long enough since the PC. I was just confused by their response in that is doesn't really list specific reasons for the CLI denial. I may try to reach out to the EO on FB. Thanks for the advice!

[Anonymous]

I had the same response when I tried a CLI. I tried it with 80% util on the card...not sure if that was a reason...I've got the card on November of last year with a CL of 10k.

[IamB2]

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@scuba_steve wrote:

It's not a credit steps card. It started out that way, then I PC'ed it to a Venture card a few years ago. I did PC it to QS about 5 months ago (and really enjoy the cash back rewards). I wonder if it just hasn't been long enough since the PC. I was just confused by their response in that is doesn't really list specific reasons for the CLI denial. I may try to reach out to the EO on FB. Thanks for the advice!

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That is your key right there. I remember when I asked to PC my dad's card to QS (from platinum) they told me that no updates or CLIs would be available to him in the next 6 months. Despite this, however, they did AUTO CLI him from 2K to 3.5K CL. But I remember them telling me in chat that if I chose to accept the upgrade to QS, I couldn't request any additional changes for the next 6 months.

Hope that helps.

[dallasjetfan]

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@scuba_steve wrote:

It's not a credit steps card. It started out that way, then I PC'ed it to a Venture card a few years ago. I did PC it to QS about 5 months ago (and really enjoy the cash back rewards). I wonder if it just hasn't been long enough since the PC. I was just confused by their response in that is doesn't really list specific reasons for the CLI denial. I may try to reach out to the EO on FB. Thanks for the advice!

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You did the same route I did.  I peaked at $5K and have tried and been decline many times over the years.  I called EO and ultimately received a CLI of $1500.  I'm not jumping through hoops with CapOne anymore.  I am closing my account of many years and switching all my banking to my CU.  I have all the prime cards so no need for a garbage lender like CapOne.

[scuba_steve]

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@dallasjetfan wrote:

You did the same route I did.  I peaked at $5K and have tried and been decline many times over the years.  I called EO and ultimately received a CLI of $1500.  I'm not jumping through hoops with CapOne anymore.  I am closing my account of many years and switching all my banking to my CU.  I have all the prime cards so no need for a garbage lender like CapOne.

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Yes, I am growing tired of them too. But, I am locked at 7.15% interest which is nice when I need to carry a balance short term. I'll give it 1 last shot and contact the EO to see if anything can be done there.