topic Re: Capital One CLI Is This Normal? in Credit Card Approvals

Capital One CLI Is This Normal?

Mutterz — Fri, 05 Jun 2015 03:48:38 GMT

I posted on here a few days ago when I was approved for a Capital One Quick Silver Signature S20,000 Limit and Venture Signature $15,000 Limit about five minutes apart.

Found the original link: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Two-Capital-One-Card-Approvals-One-Day/m-p/4022921

Anyways I was setting up things like text alerts and email alerts. Making sure my phone number was right and all that. Then I see the request credit increase. Knowing it’s a new account I thought I should probably not do this but filled out the info anyways for the Quicksilver card. I was asking what my income was and how much I would be charging a month. It was blank so I figured they did not have my income on file so I filled it all out then clicked the continue button thinking it would then ask me to confirm after having the info on file. It then said we will review your request or something like that. That was around 10am this morning. I just logged into my account just 10-20 minutes ago and this is what I see on my Quick Silver card.

It looks like it has increased the Quick Silver limit from $20,000 to $60,000?!?! I have no idea if it was automatically increased or if they did a manual review after the request. But my main question is how did this happen? I have never heard of a limit like this let alone with my others just being the secured cards I started with at 18. Could it possibly be a mistake?

Re: Capital One CLI Is This Normal?

bengalikejenga — Fri, 05 Jun 2015 03:12:58 GMT

Wow.... OP, if my Eyes are seeing Correctly, that is impressive.... that is unbelieveable....

that is the biggest CLI from capital one that i have ever seen...

that is the Biggest Credit line from Cap1 that i have ever seen.

i am just speechless

Edit:

may i ask what your Stats are?

fico scores? AAoA? inquires? household income? previously highest CL before this increase? are you an Heir Apparent to Cap 1? is Warren buffet your Uncle or God Father?

Re: Capital One CLI Is This Normal?

Credit-hoarder — Fri, 05 Jun 2015 03:11:26 GMT

If it's not a mistake.....that has to be a frickin' world's record!

Re: Capital One CLI Is This Normal?

Pway — Fri, 05 Jun 2015 03:11:40 GMT

WOAH, that is a huge increase.

Re: Capital One CLI Is This Normal?

revjamesl — Fri, 05 Jun 2015 03:13:11 GMT

Very impressive. Congrats!

Re: Capital One CLI Is This Normal?

pip3man — Fri, 05 Jun 2015 03:20:51 GMT

I just lost my sight...... HOLYYYY FATHER OF ABRAHAM!!!!!!!!! What am I seeing?!

Re: Capital One CLI Is This Normal?

Anonymous — Fri, 05 Jun 2015 03:21:09 GMT

Somebody was drinking on the job and put an extra zero on the end. Good for you!!!!

Re: Capital One CLI Is This Normal?

Anonymous — Fri, 05 Jun 2015 03:23:17 GMT

Wow congrats!! Dude, you might want to cover up some of that account info though. Just sayin.

Re: Capital One CLI Is This Normal?

Mutterz — Fri, 05 Jun 2015 03:25:06 GMT

@bengalikejenga wrote:
Wow.... OP, if my Eyes are seeing Correctly, that is impressive.... that is unbelieveable....

that is the biggest CLI from capital one that i have ever seen...
that is the Biggest Credit line from Cap1 that i have ever seen.

i am just speechless

Edit:
may i ask what your Stats are?
fico scores? AAoA? inquires? household income? previously highest CL before this increase? are you an Heir Apparent to Cap 1? is Warren buffet your Uncle or God Father?

I know the two scores credit karma gives you are 802 and 805.

I opened 3 secured accounts with Wells Fargo, US Bank, BOA when I turned 18 im now 23. So 5 years.

My income is just about 78k a year.

Highest Limit before this card 5k.

And no to the last few

Re: Capital One CLI Is This Normal?

SOGGIE — Fri, 05 Jun 2015 03:28:19 GMT

Great Job Mutterz! Sweet CLI

Re: Capital One CLI Is This Normal?

Mutterz — Fri, 05 Jun 2015 03:36:20 GMT

It must be correct. I just called the automated system and it said. “You have $30,000 available for cash withdraw and your interest rate is 0%. This is the same information reps have and cannot provide you more information.

Re: Capital One CLI Is This Normal?

Anonymous — Fri, 05 Jun 2015 03:39:34 GMT

HOLY!

THAT IS AWESOME!

Re: Capital One CLI Is This Normal?

keithbward — Fri, 05 Jun 2015 03:40:08 GMT

My goodness

Re: Capital One CLI Is This Normal?

CreditMagic7 — Fri, 05 Jun 2015 03:44:02 GMT

$60K

Re: Capital One CLI Is This Normal?

Anonymous — Fri, 05 Jun 2015 03:46:04 GMT

That's wonderful. If you want to apply for chase or amex in the future, they will match your highest limit or come close. But I would be done seeking credit with these two limits

Re: Capital One CLI Is This Normal?

Imperfectfuture — Fri, 05 Jun 2015 03:46:13 GMT

Please edit your screen shots, remove the last four of card numbers

Re: Capital One CLI Is This Normal?

Mutterz — Fri, 05 Jun 2015 03:49:15 GMT

@Imperfectfuture wrote:
Please edit your screen shots, remove the last four of card numbers

Was already on that when you posted.

Re: Capital One CLI Is This Normal?

Imperfectfuture — Fri, 05 Jun 2015 03:52:23 GMT

@Mutterz wrote:
@Imperfectfuture wrote:
Please edit your screen shots, remove the last four of card numbers
Was already on that when you posted.

Great. Sent for review, but you already fixed.

Congrats.

Re: Capital One CLI Is This Normal?

Ashes — Fri, 05 Jun 2015 03:53:20 GMT

Oh my... as others have already stated, I have never heard of or seen with my own eyes a CL that high on a Capital One card. Absolutely astounding...

Re: Capital One CLI Is This Normal?

securingourfuture — Fri, 05 Jun 2015 03:54:24 GMT

OMG!!! That's out of this world. Congratulations!