topic Re: Capital One CLI and Upgrade finally! in Credit Card Approvals

Capital One CLI and Upgrade finally!

Anonymous — Mon, 08 Aug 2016 00:16:49 GMT

It has been 6 months and 1 day since my husband's last CLI and 18 month since getting his CO card. This card started out at $300 in January 2015, the first card in my husband's rebuild. With credit steps and luv button it was up to $6,300. He just got a CLI to $9300. That amount of credit was just unimaginable to us 18 months ago. Now we have almost 100k across all cards, and it is all thanks to Capital One giving us a chance (and maybe a bit of effort on my part).

Next we started a chat to request an upgrade. The card started as a platinum with AF and was upgraded to QS1, but every time he asked for a card with no annual fee, he was told there were no offers on the card. Finally, this time there was an offer, and it is now a regular Quicksilver.

As a data point, he had an old Capital One charge off. We don't even remember how much it was or when it was, because it aged off reports years ago before we were checking reports. It had to be a small amount originally. Capital One has never mentioned it to him.

Re: Capital One CLI and Upgrade finally!

Mzjedwards1 — Mon, 08 Aug 2016 00:37:06 GMT

Congrats !!!

Re: Capital One CLI and Upgrade finally!

mystikal1 — Mon, 08 Aug 2016 01:05:08 GMT

Congrats

Re: Capital One CLI and Upgrade finally!

Anonymous — Mon, 08 Aug 2016 04:44:33 GMT

@Anonymous wrote:
It has been 6 months and 1 day since my husband's last CLI and 18 month since getting his CO card. This card started out at $300 in January 2015, the first card in my husband's rebuild. With credit steps and luv button it was up to $6,300. He just got a CLI to $9300. That amount of credit was just unimaginable to us 18 months ago. Now we have almost 100k across all cards, and it is all thanks to Capital One giving us a chance (and maybe a bit of effort on my part).

Next we started a chat to request an upgrade. The card started as a platinum with AF and was upgraded to QS1, but every time he asked for a card with no annual fee, he was told there were no offers on the card. Finally, this time there was an offer, and it is now a regular Quicksilver.

As a data point, he had an old Capital One charge off. We don't even remember how much it was or when it was, because it aged off reports years ago before we were checking reports. It had to be a small amount originally. Capital One has never mentioned it to him.

Congratulations to you!...Thanks for sharing.

Re: Capital One CLI and Upgrade finally!

yoyo — Mon, 08 Aug 2016 11:36:26 GMT

Soons good congrads!

Re: Capital One CLI and Upgrade finally!

Anonymous — Mon, 08 Aug 2016 17:27:44 GMT

Thanks, y'all. It's a big accomplishment for us.

Re: Capital One CLI and Upgrade finally!

AverageJoesCredit — Mon, 08 Aug 2016 17:37:27 GMT

Amazing story Daisyfly!! Best wishes for continued success

Re: Capital One CLI and Upgrade finally!

Lymin — Mon, 08 Aug 2016 18:52:28 GMT

Congrats!

Re: Capital One CLI and Upgrade finally!

CreditMagic7 — Mon, 08 Aug 2016 19:33:59 GMT

Congrats! on this

Re: Capital One CLI and Upgrade finally!

Anonymous — Tue, 09 Aug 2016 03:02:25 GMT

That's awesome!! Congrats

Re: Capital One CLI and Upgrade finally!

Anonymous — Tue, 09 Aug 2016 03:11:06 GMT

Congrats!

Re: Capital One CLI and Upgrade finally!

Anonymous — Tue, 09 Aug 2016 06:55:19 GMT

Congrats! Getting Cap 1 to upgrade my Qs1 to a no fee reg Qs was my most frustrating credit experience. I tried several times and was denied. I was finally approved after having it for almost 16 months.

Re: Capital One CLI and Upgrade finally!

Anonymous — Tue, 09 Aug 2016 07:58:53 GMT

Beautiful. Good Luck!!