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I've read before that sometimes when u decline a cli from cap one that a week or 2 later sometimes They come back w a higher offer. I can't seem to find that thread. Does anyone have any experience w this? Did u actually decline the increase or just exit out of the page. Does declining reset the clocI'm k? Any info would be greatly appreciated!
Yes I have both declined the increase and exited out altogether. What are they offering you currently? Here's one link to a recent post:
http://ficoforums.myfico.com/t5/Credit-Cards/I-declined-CapOne-CLI/m-p/4392084
Edited to add link
I just exited the page in late December, I'm waiting for the 20th which is a few days after the statement cuts to press the button again, hoping they offer more.
There have been people who have declined the increase and offered a higher one later on. On the other hand there have been others who received the exact same offer as before or even a reduced offer. There is no standard and there is no trick. It's a crap shoot and no one can say for sure what will happen by declining and waiting. This isn't a negotiation, it's a request followed by a granting or denial of said request. The main determination of your offer depends on your income and your charging and payment history, not a random spin of a magic wheel. Good Luck with your CLI.
I was offered a 1000 to bring my qs1limit up to 3600. My qs was due for cli in December and was increased by 3000 to 4800. I just left the page. I recently lowered my total util to <15%. Hopefully when that reports I'll get the bigger increase offer. Thanks everybody.