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Does Cap 1 go off your credit or paymeny history when request CLI?

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shalane85
Frequent Contributor

Does Cap 1 go off your credit or paymeny history when request CLI?

I was actually wondering if Cap 1 goes off your credit report or your payment history when you request a CLI? Does anyone know?
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Does Cap 1 go off your credit or paymeny history when request CLI?

No
Message 2 of 4
Anonymous
Not applicable

Re: Does Cap 1 go off your credit or paymeny history when request CLI?

In my experience, Capital One goes off a script and their great desire not to grant me a CLI under any circumstances.

 

Oh wait... I did get a $300 CLI once after a lot of sweet-talking -  I take it all back. Smiley Indifferent 

 

Seriously... I think when I've asked for a CLI they've pulled a soft, but I get the impression that what they want to see is a LOT of use of your card at its current limit. Along with, of course, making timely payments and such.

Message 3 of 4
Anonymous
Not applicable

Re: Does Cap 1 go off your credit or paymeny history when request CLI?

Common sense would tell me that they go off both; credit AND payment history.  Unfortunately, it doesn't appear we are dealing with credit grantors using common sense these days.
Message 4 of 4
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