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Valued Member
Jatindrj
Posts: 27
Registered: ‎08-22-2012
0

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.
Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
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Senior Contributor
laz98
Posts: 4,334
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.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

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
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 Contributor
jamesdwi
Posts: 1,893
Registered: ‎09-16-2011
0

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 & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

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
Jatindrj
Posts: 27
Registered: ‎08-22-2012
0

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
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

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
Valued Member
Jatindrj
Posts: 27
Registered: ‎08-22-2012
0

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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