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requesting higher limits from capitol one

Established Member

requesting higher limits from capitol one

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?

Message 1 of 18
17 REPLIES
Established Contributor

Re: requesting higher limits from capitol one


dloza wrote:

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?


   There are many posts on this site about your question.  Most say it's a waste of time to ask.  You will get a hard pull inquiry if you apply for a new card.  You are being soft pulled all the time now.

Message 2 of 18
New Contributor

Re: requesting higher limits from capitol one

Whenever I try, I get the same answer.. "Capital One is not accepting customer initiated requests at this time." And I've never heard of anyone being approved for one at a request. It's like winning the lottery to get an auto-CLI from them, so I wouldn't count on it. If your card is in the "steps program" that's probably the only increase you'll see.

Starting Score: NonExistant (07/2011)
Current Score: FICOs: TU: 714 (6/2012) EQ: 686 (4/2012) EX: 712 (PSECU) (6/2012)
Goal Scores: 750 by 2013

Amex Zync, Discover More $1700, BofA Cash Rewards $600, Walmart $800
Message 3 of 18
Mega Contributor

Re: requesting higher limits from capitol one


dloza wrote:

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?


You can request, it can sometimes lead to a HP but it is more than likely SP. If I were you, I wouldn't even try, the success rate is probably 0000000000000000.1%




EQ FICO 548 3/3/16
Message 4 of 18
Regular Contributor

Re: requesting higher limits from capitol one


LS2982 wrote:

dloza wrote:

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?


You can request, it can sometimes lead to a HP but it is more than likely SP. If I were you, I wouldn't even try, the success rate is probably 0000000000000000.1%


That equals 10%. Maybe you meant 0.00000000000000001% ? LOL sorry if I'm being a jerk, just couldn't resist.

Message 5 of 18
Senior Contributor

Re: requesting higher limits from capitol one


dude11 wrote:

LS2982 wrote:

dloza wrote:

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?


You can request, it can sometimes lead to a HP but it is more than likely SP. If I were you, I wouldn't even try, the success rate is probably 0000000000000000.1%


That equals 10%. Maybe you meant 0.00000000000000001% ? LOL sorry if I'm being a jerk, just couldn't resist.


Read it again, it is 0.1%  

Message 6 of 18
Regular Contributor

Re: requesting higher limits from capitol one


Wolf3 wrote:

dude11 wrote:

LS2982 wrote:

dloza wrote:

if i request a higher limit from capital one will that result in a new inquiry or will it just be a soft pull?


You can request, it can sometimes lead to a HP but it is more than likely SP. If I were you, I wouldn't even try, the success rate is probably 0000000000000000.1%


That equals 10%. Maybe you meant 0.00000000000000001% ? LOL sorry if I'm being a jerk, just couldn't resist.


Read it again, it is 0.1%  



DOH!!!! The % sign. NOOOOOOOOOOO!!!!!!. Ok 0.1 would equal 10%. I'm laying off the tall cans for today. Let's continue.

Message 7 of 18
Frequent Contributor

Re: requesting higher limits from capitol one

I agree with LS. The likelihood of them approving a CLI is extremely low. However, they (backdoor number) always let me ask and do a SP while I'm on the phone. And I have a secured card which probably has an even lower % chance than the regular cards. At the 6 month mark, I'm going to call the Senior Escalation Mgrs as LS suggested in another thread to see if I can get a CLI.
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 8 of 18
Contributor

Re: requesting higher limits from capitol one

Correct me if im wrong but I believe there is only one answer to this question:

 

If you ask for a CLI, they may say:  "sure, we can run it" but at the end it all comes down to a "sorry we cant" followed by a letter that clearly states that CAP1 customers request's for CLI are not allowed and, untill further notice, ALL CLI's from CAP1 will happen when THEY decide its your turn...

3/30/12: EX: 680 TU:667 EQ: 655
4/14/12: EX: 680 TU:678 EQ: 670

BOFA: 0/1k / CAP1: 0/1.75k / CITI: 700/2k / AMEX Gold:NPSL
Message 9 of 18
Valued Contributor

Re: requesting higher limits from capitol one

NEVER GONNA HAPPEN. DONT DO IT! ask for a purchase apr reduction instead, they are really good about this.

Message 10 of 18