Established Contributor
Posts: 788
Registered: ‎05-16-2012

Finally CLI on HSBC/Cap 1

Finally received a CLI on my HSBC/Cap 1 card. Instead of a pathetic $300 limit, I now have a slightly less pathetic limit of $ I have been going back and forth with them and I am always told could be a soft pull..could be a hardpull but that there is no way of knowing until it is too late. So, I always declined, but today I decided to ask for a manager after being told the same thing and the manager insisted it is always a soft pull. I got her name and said I was taping the, not really I was in my daughter's school parking lot waiting for her to get in the car. Anyway, received my CLI and checked EQ and EX and no hardpull. Will check TU via credit karma after midnight to make sure no hard pull there.


My gosh, it's pulling teeth to get an increase with them. Baby steps, I keep telling myself. Why I care, I don't know. She told me to call back in 4 months.

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 2,784
Registered: ‎10-10-2012

Re: Finally CLI on HSBC/Cap 1

Congrats on the increase. Although not much, every little bit helps! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Finally CLI on HSBC/Cap 1


Regular Contributor
Posts: 198
Registered: ‎03-02-2012

Re: Finally CLI on HSBC/Cap 1

Congrats!!! I tried for an increase today and was denied. So I politely told the rep and manager the card will be closed before the AF is due.  I will thank them for helping me rebuild, close and move on. NO CLI, NO AF.

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13

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