@Shokk wrote:Another thing you may do is pay for everything on those credit cards. As soon as the charges post to the accounts, pay them off, or at least down to under 10%. CC companies make money every time you use the card. I run $800-900 dollars through one card every month, and pay it this way. I make 3-4 payments every month. Another good side affect is there's never a late payment. May not make a difference hitting the CLI button on the site, but may look better on a manual review.
THANK YOU. I have been doing that over the last several weeks (making multiple payments). Since Christmas, I have made about 20 payments to all 3 of my credit card accounts. I will be in the position to PIF every month by the end of this month or next. The card I'm asking for the CLI on was actually PIF with a zero balance as of 1-6-15, it wasn't at a $0 balance when I asked for the recon. I'm going to only use it to but gas from now on and PIF every month. I already set it to automatcally pay off the full balance each month.
I love this forum, much better than being idle on FACEBOOK 😂😂😂
I have been charging more then my cl on my cp1 qs1 card and obviously make several payments a month. I hope they look kindly on this when I'm due for an increase. Maybe even get a PC to the prime qs card. 
UPDATE:
So CAP 1 replied to my 3rd CLI request (over the last month) and of course they denied me again 
. This time their reasoning is:
- Insufficient experience with high lines of credit on Capital One accounts and
- Too few or no revolving accounts are rated satisfactory
Although I'm bummed, I still think I'm making some progress (because their reason for declining isn't the same, low credit score, derogs, etc).
Now do I call for a recon or just let it go for now and wait for another 2/3 months or so? Thanks
UPDATE:
So CAP 1 replied to my 3rd CLI request (over the last month) and of course they denied me again . This time their reasoning is:
- Insufficient experience with high lines of credit on Capital One accounts and
- Too few or no revolving accounts are rated satisfactory
Although I'm bummed, I still think I'm making some progress (because their reason for declining isn't the same, low credit score, derogs, etc).
Now do I call for a recon or just let it go for now and wait for another 2/3 months or so? Thanks
*****UPDATE*****
So CAP 1 replied to my 3rd CLI request (over the last month) and of course they denied me again. This time their reasoning is:
* Insufficient experience with high lines of credit on Capital One accounts and
* Too few or no revolving accounts are rated satisfactory
Although I'm bummed, I still think I'm making some progress (because their reason for declining isn't the same, low credit score, derogs, etc).
Now do I call for a recon or just let it go for now and wait for another 2/3 months or so? Thanks
UPDATE:
So CAP 1 replied to my 3rd CLI request (over the last month) and of course they denied me again . This time their reasoning is:
- Insufficient experience with high lines of credit on Capital One accounts and
- Too few or no revolving accounts are rated satisfactory
Although I'm bummed, I still think I'm making some progress (because their reason for declining isn't the same, low credit score, derogs, etc).
Now do I call for a recon or just let it go for now and wait for another 2/3 months or so? Thanks