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Valued Member
Posts: 27
Registered: ‎08-22-2012
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Too early for a CLI?

I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.
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Senior Contributor
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Registered: ‎09-06-2008
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Re: Too early for a CLI?

You can certainly ask, but Capital One is not known for being particularly generous with CLIs.

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Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
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Re: Too early for a CLI?

Cap One is not very cli friendly at all. I'm not 100% sure on this but it is my understanding that they do not currently accept customer initiated clis. Since you've had the card for awhile I guess it couldn't hurt to try but it is very unlikely that they will be able/willing to do anything for you.

EQ 778 | TU 776
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Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
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Re: Too early for a CLI?


Jatindrj wrote:
I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.

CapOne won't give you a CLI if you got it last century. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
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Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
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Re: Too early for a CLI?


jamesdwi wrote:

Jatindrj wrote:
I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.

CapOne won't give you a CLI if you got it last century. 

 

 


Lol yeah I'm still waiting after 3+ years 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Valued Member
Posts: 27
Registered: ‎08-22-2012
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Re: Too early for a CLI?

[ Edited ]

Figures. I guess I'll give it a try anyway. What'a chases and discovers stand on it? I saw an option to request an increase on discovers site but when I clicked on it it said unavailable.

 

Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
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Re: Too early for a CLI?

[ Edited ]

Chase is always a hard pull unless you call the executive office and can coerce them to do a soft.

 

Discovers luv button is a soft pull and their system will counter offer if you are not eligible for the full amount you request. If you are not eligible for a sp cli you will get an error message telling you to call in when you press the luv button

 

Edit- since you got an error message from discover it means you aren't eligible for a sp cli. Have you had the account for less than six months? If not- i'm pretty sure that discover will not grant a CLI unless you've had the card for at least six months.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
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Valued Member
Posts: 27
Registered: ‎08-22-2012
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Re: Too early for a CLI?

Ok thanks. Yea my account is only on its second month so Ill try iafter the 6 months if I dont get an automatic. One last question, how are limits decided? I was surprised to get a 3k limit from CapOne on my first card but more surprised that the two following were lower than that.

Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
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