topic Re: Cap1 random CLI in Credit Card Approvals

Cap1 random CLI

matrix — Sat, 20 Dec 2014 00:58:03 GMT

I had a cap1 platinum and recently got offered to upgrade to quicksilver. I took the upgrade but my credit limit stayed the same. Couple months later (today) I check and they trippled my credit limit. Is this normal? I never asked for it and certainly are no complaining. I checked the online access and called the number to make sure I wasn't seeing things. My wife, separete invidiual account, just got a random $1000 CLI at the same time. I can't find any online documents stating that they increased it.

I was finishing up Christmas shopping so I purposely went over my old credit limit to make purchases I was going to do any how and it all checks out. Hehe, it'll all be paid back in 3 business days.

Wierd?

Re: Cap1 random CLI

Anonymous — Sat, 20 Dec 2014 01:53:06 GMT

@matrix wrote:
I had a cap1 platinum and recently got offered to upgrade to quicksilver. I took the upgrade but my credit limit stayed the same. Couple months later (today) I check and they trippled my credit limit. Is this normal? I never asked for it and certainly are no complaining. I checked the online access and called the number to make sure I wasn't seeing things. My wife, separete invidiual account, just got a random $1000 CLI at the same time. I can't find any online documents stating that they increased it.

I was finishing up Christmas shopping so I purposely went over my old credit limit to make purchases I was going to do any how and it all checks out. Hehe, it'll all be paid back in 3 business days.

Wierd?

I got an auto cli a while back. When I went to sign on it said something about giving me more credit or something but I thought it was trying to talk me into a new card and I blew through it. When the statement cut later in the month I had the cli. Then I got an email like a week later saying they did it. It was a small one but still welcome. Of course it started the 6 month clock again

Re: Cap1 random CLI

uswala — Sat, 20 Dec 2014 01:59:53 GMT

Congrats on the CLI!

Re: Cap1 random CLI

gdale6 — Sat, 20 Dec 2014 02:16:48 GMT

Grats on your auto luv

Re: Cap1 random CLI

matrix — Sat, 20 Dec 2014 02:30:05 GMT

Thanks. So this is real? LOL. I always got notified. Damn. Feels good after going through divorce and bk a while back. Feels really good that a bank recognizes responsible credit.

Re: Cap1 random CLI

Anonymous — Sat, 20 Dec 2014 02:47:49 GMT

@matrix wrote:
Thanks. So this is real? LOL. I always got notified. Damn. Feels good after going through divorce and bk a while back. Feels really good that a bank recognizes responsible credit.

Yeah it's real. I've had 2 Capital One cards for 4 1/2 years, well one was an Orchard, and only got that one auto cli. Had to ask for the other one. That was on the Orchard buy-out card now that I think about it. It became a platinum when Cap 1 acquired it then I pc'd it to a QS1 recently. Congratulations!

Re: Cap1 random CLI

Anonymous — Sat, 20 Dec 2014 03:13:36 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: Cap1 random CLI

matrix — Sat, 20 Dec 2014 05:35:51 GMT

Ha. This is actually funny. I've had a couple friends verify and they all received a 1k increase in available credit.

@creditluv - Don't do it. Don't do a hard if they gave you a $1k increase. Wait exactly 6 months (maybe 1 day after) for a hard from them. My opinion.

Edit 1: 2 out of my 5 friends received a $1k CLI

Edit 2: This is interesting because I didn't recieve a static CLI like this. My wife did, however ($1k).

Edit 3: I called to verify in person an on 12/19 I received a very generous CLI.

Re: Cap1 random CLI

b_diddy — Sat, 20 Dec 2014 05:48:29 GMT

Congrats on your increases!

Re: Cap1 random CLI

Anonymous — Sat, 20 Dec 2014 06:57:30 GMT

Congratulations!

Re: Cap1 random CLI

alvon123 — Sat, 20 Dec 2014 18:41:41 GMT

congrats