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Contributor
Posts: 265
Registered: ‎01-27-2012
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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)
Current: EQ 552 TU 591 EX 572
Goal: All 3 above 700

Established Contributor
Posts: 676
Registered: ‎01-24-2008
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Re: requesting higher limits from capitol one

[ Edited ]

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!
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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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.

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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 $ ?
Established Contributor
Posts: 608
Registered: ‎02-02-2012
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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%.

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: requesting higher limits from capitol one

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

Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: requesting higher limits from capitol one

[ Edited ]

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.. :smileysad: Thanks for bringing that to my attention and everyone else's. :smileyhappy: 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 $ ?
Regular Contributor
Posts: 132
Registered: ‎11-14-2011
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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


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Contributor
Posts: 265
Registered: ‎01-27-2012
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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)
Current: EQ 552 TU 591 EX 572
Goal: All 3 above 700

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