topic Re: Cap One (slop) Bucket Luv x 2 in Credit Card Approvals

Cap One (slop) Bucket Luv x 2

Anonymous — Mon, 20 Aug 2018 19:59:30 GMT

Yeah, I've got two Cap1 rinky dinky bucketed cards: $300 CL that a couple months back I PC'd to a QS and a $750 QS1 that because Cap1 loves me so much they cut the AF awhile back to 19 bucks.

Like clockwork, every two weeks I fill out the online request for CLI. I get a we'll let you know message. In a couple of days I get an email with a link to my decline letter. But that's yesterday's news. Today's result:

300 SL + 250 CLI to new 550 CL;

750 SL + 1500 CLI to new 2250 CL;

So plus $1750 for my efforts. I think I'll continue my bi-monthly ritual a while longer and look to combine down the road after another successful CLI round. I'll also try to upgrade before that $19 AF comes due again.

Note: reading my previous failure letters it seems Cap1 consistently uses scores (EX for me) that are 5-6 weeks old. So if you get a nice score spike and want to get a CLI with them, it probably won't happen for another month or so.

My DP's: EX 680-700; owed $0 on 300 CL; $240 (not on statement yet) on 750 CL.

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Mon, 20 Aug 2018 21:16:21 GMT

Congrats on the credit limit increases.

Re: Cap One (slop) Bucket Luv x 2

FireMedic1 — Mon, 20 Aug 2018 21:21:10 GMT

Thats the way it is with those 2 cards. You were upgraded to QS. At least you get more cash back with 2 cards instead of 1. But it's still a Platinum. Been there done that. We all have to start somewhere. I was in your shoes 3 yrs ago. Let them age and then move on up with better options in time. Cap1's starter cards will never be your higest CL's. Just a steppin stone to better things to come. Congrats on the CLI's. Some dont even get that much.

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 00:13:46 GMT

Congrats on CLI!

Re: Cap One (slop) Bucket Luv x 2

Gokuva — Tue, 21 Aug 2018 02:09:29 GMT

Congrats on the double CLI! Keep us updated if you get another

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 03:46:52 GMT

Congrats on your sloppy increases.

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 05:28:08 GMT

Congratulations on the Cap 1 increases. That's definitely a rarity. I thought I read somewhere that Cap 1 only considers you for an increase every 6 months.

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 05:34:35 GMT

Congrats on your approval !!!!!

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 09:11:08 GMT

James_A quite a "slop bucket" and your persistence is paying off slowly. Seems Cap1 can be stubborn from time to time on CLIs ... keep pushing!

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 13:45:39 GMT

@Anonymous wrote:
Congratulations on the Cap 1 increases. That's definitely a rarity. I thought I read somewhere that Cap 1 only considers you for an increase every 6 months.

You might be right -- this is my 1st CLI in 6 years, although prior to joining this forum I had never requested one.

Note: two different cards = two increases total, but one each. I've no plans to stop asking, so I'll update if I get another.

Re: Cap One (slop) Bucket Luv x 2

Anonymous — Tue, 21 Aug 2018 12:58:08 GMT

@Anonymous wrote:
James_A quite a "slop bucket" and your persistence is paying off slowly. Seems Cap1 can be stubborn from time to time on CLIs ... keep pushing!

I doubt any lender is "stubborn" with you and your fine scores, D. Hopefully I get to your neighborhood at some point down the road.

Re: Cap One (slop) Bucket Luv x 2

xaximus — Tue, 21 Aug 2018 13:28:55 GMT

Congrats on the CLI with Cap1. I think I've gotten 1 over the last 2 years. I almost never use their cards.

Re: Cap One (slop) Bucket Luv x 2

19eighty5 — Tue, 21 Aug 2018 17:51:35 GMT

Congratulations on your CLI approvals!

Re: Cap One (slop) Bucket Luv x 2

SweetCreditObsession — Tue, 21 Aug 2018 21:30:02 GMT

Congratulations! They gave higher CLIs when I first got them. Somewhere along the way that changed. Grow them, get something better, combine so no annual fee and then sock drawer them if practical.