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requesting higher limits from capitol one

Frequent Contributor

Re: requesting higher limits from capitol one

My letters don't say they're not allowing customer initiated CLIs. Mine says not enough history with CapOne.
Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 5/31/16: 645; Amex EX Fico-3/22/16: 663
Goal: All 3 above 700

Message 11 of 18
Highlighted
Established Contributor

Re: requesting higher limits from capitol one

You have a better chance of getting President Obama to agree to try to give birth to an elephant!

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Message 12 of 18
Frequent Contributor

Re: requesting higher limits from capitol one

Sorry. I had to skip the forum replies. Capital one always does hard pull on your credit report asking for a cli "credit limit increase'. There customer service don't even know a H.P from a S.P. Pay in full and they will sometimes will give you a CLI automatically My 2 cents.

.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 13 of 18
Established Contributor

Re: requesting higher limits from capitol one


Brian_Trying_700 wrote:

Sorry. I had to skip the forum replies. Capital one always does hard pull on your credit report asking for a cli "credit limit increase'. There customer service don't even know a H.P from a S.P. Pay in full and they will sometimes will give you a CLI automatically My 2 cents.

.


I have asked for a CLI countless times, I can't even remember how many times I have. I have never had them do a HP on my reports, they only do soft pulls...I'm not sure where you read they only do HP's, I would have to disagree with this 100%.

Message 14 of 18
Senior Contributor

Re: requesting higher limits from capitol one

isn;t there an  automated system at capital one you can request increase with?

Message 15 of 18
Frequent Contributor

Re: requesting higher limits from capitol one

Logan-720. Thanks for clearing that up. Your right and I'm wrong. I just looked at my Credit record from 3 years ago and it was a soft pull. I'm sorry for the misleading information to everyone. I'm calling Cap 1 for a cli now. I can't because I'm in the garden, which is considered a timeout for me.. Smiley Sad Thanks for bringing that to my attention and everyone else's. Smiley Happy It is a Soft pull.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 16 of 18
Regular Contributor

Re: requesting higher limits from capitol one

my credit sucks, but Cap One gave me a CLI from $500 to $2,000 out of the blue back in 2011


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


Take the FICO Fitness Challenge
Message 17 of 18
Frequent Contributor

Re: requesting higher limits from capitol one

@ hateAshbury: What was the history on the card at the time (age, avg util, etc)?
Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 5/31/16: 645; Amex EX Fico-3/22/16: 663
Goal: All 3 above 700

Message 18 of 18