topic Re: Cap One CLI results in heart attack in Credit Card Approvals

Cap One CLI results in heart attack

slund5499 — Fri, 19 Dec 2014 17:32:50 GMT

:smileytongue:

After 14 months of hitting the CLI luv button and getting denied........

After 2 emails to CEO about dissatisfaction with oldest account stuck at $500......

having sat through numerous chat sessions on website and facebook messages about closing accounts and moving business to Chase.....

After just deciding to give up and want out of Capital One relationship......

Never call a return call from EO to discuss issues and credit relationship

WOW.....

still checking the documents and emails for information about the CLI.....still think it a fluke or computer glitch (no notices or documents to acknowledge CLI).

Just so surprised and relieved

Customers should not have to threaten to leave an institution just to get a CLI.....

IT pays to be persistant with CAP One and EO.

Re: Cap One CLI results in heart attack

Anonymous — Fri, 19 Dec 2014 17:35:35 GMT

Congrats!! That is great.. Persistance!

Re: Cap One CLI results in heart attack

Anonymous — Fri, 19 Dec 2014 18:03:39 GMT

I was misled with the title of this thread

Re: Cap One CLI results in heart attack

CreditMagic7 — Fri, 19 Dec 2014 18:12:51 GMT

@slund5499 wrote:
:smileytongue:

After 14 months of hitting the CLI luv button and getting denied........
After 2 emails to CEO about dissatisfaction with oldest account stuck at $500......
having sat through numerous chat sessions on website and facebook messages about closing accounts and moving business to Chase.....
After just deciding to give up and want out of Capital One relationship......
Never call a return call from EO to discuss issues and credit relationship

Log in to submit the 34th CLI to nearly have a heart attack seeing that the CL was increased from $500 to $2000.....

WOW.....

still checking the documents and emails for information about the CLI.....still think it a fluke or computer glitch (no notices or documents to acknowledge CLI).

Just so surprised and relieved

Customers should not have to threaten to leave an institution just to get a CLI.....

IT pays to be persistant with CAP One and EO.

That is nothing short of Earthshattering if i ever seen it coming from them

Congrats! on finally breaking thru with c1

Re: Cap One CLI results in heart attack

uswala — Fri, 19 Dec 2014 18:30:35 GMT

Congrats!

Re: Cap One CLI results in heart attack

Anonymous — Fri, 19 Dec 2014 18:35:14 GMT

Congratulations!

Re: Cap One CLI results in heart attack

Anonymous — Fri, 19 Dec 2014 18:37:13 GMT

Congrats! That's great! I logged into my account today and my limit got auto raised from $1,500 to $4,500! They must be in a giving mood! Again, congrats... It feels good to get an increase with cap1!

Re: Cap One CLI results in heart attack

CreditCuriosity — Fri, 19 Dec 2014 18:43:42 GMT

Your post just inspired me to try... LOL 2-3 Message... Nope they still don't like me and using reports from the early year i am sure

Re: Cap One CLI results in heart attack

slund5499 — Fri, 19 Dec 2014 18:53:51 GMT

I am not one to know how Cap One decides on CLI (I hit the luv button like 34 times over a year with no automatic approval).....I figure that the computer algorythum they are using decides the approval or not.

I am led to believe that they look at older SP and compare to current utilization, usage and payment history.

As far as the surprise increase .... Cap One is handling CLI out ike they were candy canes....probably for the holiday season.

All in all....Cap One CLI is a crap shoot

JMO and 2 cents worth.

Re: Cap One CLI results in heart attack

Anomalous — Fri, 19 Dec 2014 19:07:28 GMT

The EO route does work. Although you had a real go at it it seems Lol! Congratulations on the CLI!

Re: Cap One CLI results in heart attack

slund5499 — Fri, 19 Dec 2014 19:21:27 GMT

I think the EO route did work. Although the messages with EO on facebook said they would be calling...I was not able to find a missed call.

Additionally, I do not know which email to CEO made this happen....The first pleading and stating my issues with no CLI in 4 years.....or the 2nd where I just told them I was unhappy and would be transferring my business to Chase.

Either way and no matter what process worked....I did accomplish my goal.

For me a $1500 CLI is substantial based on utilization, credit/debty exposure and risk and a thin file with FP charge off.

AAoA will take a hit for the next 6 months or so, but all in all I was able to basically double my credit ine with app spree and CLI.

I am satisfied for the next 6 months.......

Re: Cap One CLI results in heart attack

alvon123 — Fri, 19 Dec 2014 21:30:15 GMT

congrats

Re: Cap One CLI results in heart attack

Anonymous — Fri, 19 Dec 2014 22:21:47 GMT

Fantastic Job, congrats on your CLI

Re: Cap One CLI results in heart attack

kade6767 — Sat, 20 Dec 2014 00:21:49 GMT

Congrats! I've been going back and forth with them too. I called EO because I got a document asking to send in all kinds of verification of income. While I don't have a problem with that, I was about to head out of town and wasn't at home to access what they wanted faxed. I would only send that info from home. But the woman did take some info and said she would try to get a CLI without sending the info. I'm still waiting, lol...

Re: Cap One CLI results in heart attack

Anonymous — Sat, 20 Dec 2014 03:20:11 GMT

I just logged into one of my two pathetic Capital One cards a few minutes ago and sweet baby Jesus Christmas came early!

I got my second ever auto CLI from Capital One in a DECADE from $750 to $1,750 with a 666 CapOne TU score. The only other time my two CapOne cards (this card actually) got a auto CLI was when CapOne bought out last year (or was it this year?) HSBC's CC portfolio in the USA and I went from $500 to $750 when they converted my HSBC card into another CapOne card.

Would I be wise or unwise to press my luck and probably give up a nasty hard pull (no idea who CapOne pulls in Texas?) to see if they'll match my CL of $1,750 with my other CapOne card since my other CapOne card has only a $400 CL! (saddest thing ever typed)

Also I have only 1 inquiry on TU and none EX or EQ and a zero balance on the $400 CL CapOne card, obviously since if I buy a freaking Snickers I basically max it out!

Re: Cap One CLI results in heart attack

slund5499 — Sat, 20 Dec 2014 04:05:27 GMT

Persistence pays off more than not. Keep hitting the luv button online, get a FB chat dialogue going and email the EO.

Don't give up. HIt that luv button 2-3 times a week. Follow up with the FB chat and wait to see what happens after you email the EO.

I would hold off on applying and call to see about an PC or upgrade to a prime card.

You might even try Barclay's as they mostly pull TU. Recon any denial and let them know you are trying to correct the negative items and be sincere. YOu may get lucky with Barclays. If you do try another cap one app....go for the journey and they should put you in the credit step program with a 50% CLI in 5 months.

Good luck and keep up the pressure.

Re: Cap One CLI results in heart attack

Anonymous — Sat, 20 Dec 2014 04:14:21 GMT

**Update**

I didn't chicken out and got on with a CRS on CapitalOne.com chat 20 minutes ago and he verified that I was eligible to attempt a CLI online on my other CapOne card with the pathetic $400 CL. Thinking I would be denied, since my FAKO EQ score is awful.

And results shown here ===> https://www.dropbox.com/s/48jfxb6s7uic8n6/screen_2014-12-19%2021.54.57.jpg?dl=0

WOW! OMG! First CLI in A DECADE/NEVER HAD A CLI with this CapOne card and just got a $3,000 CLI on the LUV button!!!

TU Capital One score was 666! The Triple Diablo Score!

It's my Capital One Christmas and Birthday all wrapped in one today!

Re: Cap One CLI results in heart attack

Anonymous — Sat, 20 Dec 2014 04:13:03 GMT

Re: Cap One CLI results in heart attack

slund5499 — Sat, 20 Dec 2014 04:22:06 GMT

Condradulations.....

Re: Cap One CLI results in heart attack

Anonymous — Sat, 20 Dec 2014 04:24:04 GMT

Thanks, it looks like I'm in CapOne's once a decade CLI club! But damn if I ever signed up for that membership.