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Credit Line increase

Frequent Contributor

Credit Line increase

Did any one recently get a credit line increase from Capital One? I have had an account from the last one year with them. Need a CLI very bad.

Anyone has a back number where I can call?

 

Chanduwar

Message 1 of 57
56 REPLIES
Moderator Emeritus

Re: Credit Line increase

DH has had an account with them for many years & no CLI but they did a intrest increase.

Message 2 of 57

Re: Credit Line increase

My credit line has remained at $1,000 since 2004.  I've never missed a payment, and have even had a balance of about $900 which was all paid off.  Still...no credit line increase. 
Message 3 of 57
Valued Contributor

Re: Credit Line increase

it seems to me you have to call cap one with a good reason like "I want to make you my number one card.  I've never gotten a cli I did not ask for.  Use that back door number listed here on this forum.

I started with them at 300 and now at 5400 and haven't called in long time.

Message Edited by casinoannie97 on 07-17-2009 03:59 PM
Message Edited by casinoannie97 on 07-17-2009 04:00 PM
Message 4 of 57
Established Contributor

Re: Credit Line increase

Several on here (including myself) have found calling in the last couple of months that Capital One are no longer offering customer initiated credit line increases.  I called the back door number, regular number, even spoke to the retention department and it was all a no go "No customer requests for credit line increases will be taken at this time"

 

*shrug*

Message 5 of 57
Valued Contributor

Re: Credit Line increase

that's too bad.  then they are giving them automatically???
Message 6 of 57
Frequent Contributor

Re: Credit Line increase


casinoannie97 wrote:
that's too bad.  then they are giving them automatically???

By"automatically", I think they mean "never".

I want PATIENCE...and I want it NOW
Message 7 of 57
Senior Contributor

Re: Credit Line increase

Would be a real rarity these days.  I have had an account for 4 years and it went from initial $500 to $1000 2 years ago.  But since, nothing.  I asked for CLI recently and they said as "a business decision they are not offering any customer requested CLI's at this time."

 

They said they will review account periodically and potentially offer or raise CL's in that manner.

 

So, if you need more credit, you will need to look elsewhere, IMO Smiley Indifferent

 

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 8 of 57
Senior Contributor

Re: Credit Line increase

Someone posted here quite recently that they had just received an immaculate CLI from Cap1. A big one too if i remember correctly.
Message 9 of 57
Senior Contributor

Re: Credit Line increase


creditwherecreditisdue wrote:
Someone posted here quite recently that they had just received an immaculate CLI from Cap1. A big one too if i remember correctly.


 

yep, cli to 5500 i think from triple digits or 1k but don't remember exactly, in any case it was a recent post of a nice cli from cap1.

 

but i got the same scripted response as tx and others re: no customer initiated cli and i'm not holding my breath on a lucky auto 'cause nobody luvs me... it's true... not like they do... lol. (400 to 750 in 8+ years Smiley Sad)

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 10 of 57