topic Re: Capital One CLI's in Credit Card Approvals

Capital One CLI's

Cred4All — Tue, 25 Sep 2018 00:55:10 GMT

Must be something in the water this week. Shocked to have felt some love from Capital One (TU 714):

Quicksilver - Card 1

Originally a Platinum in 2005, PC'd to a Quicksilver

Original Limit: $5,200

Todays CLI: $2,000

New Limit: $7,200

Quicksilver - Card 2

Was always a Quicksilver since 17'

Original Limit: $2,750

Todays CLI: $2,000

New Limit: $4,750

One of these was always an older card in the collection, so that definitely helps the padding so to speak. I'm impressed both cards finally got a little warm fuzzy feeling to them tonight. For those interested, when submitting the new manual CLI request online (Soft pull) I requested an amount of $15k, and specified putting $3k/monthly on them. Apparently Capital One felt $2k across the board was generous enough, I'll take it though as it's still good for Capital One and will allow them to grow w/ the rest of the fleet.

Re: Capital One CLI's

pinkandgrey — Tue, 25 Sep 2018 01:26:55 GMT

Congrats! Cap One must like you. I have a Cap1 card that I use for just about everything and the limit has stubbornly stayed at 5k for a long time. If I request a CLI, it says "not available upon request." Congrats again!

Re: Capital One CLI's

Anonymous — Tue, 25 Sep 2018 01:39:09 GMT

Congrats on the CLI. Enjoy!!!!

Re: Capital One CLI's

Cred4All — Tue, 25 Sep 2018 01:41:29 GMT

@pinkandgrey wrote:
Congrats! Cap One must like you. I have a Cap1 card that I use for just about everything and the limit has stubbornly stayed at 5k for a long time. If I request a CLI, it says "not available upon request." Congrats again!

Hah, I wouldn't say they like me, but for the first time must've felt like it was time to throw someone, anyone, a bone. It sure took them long enough to bump those up!

Re: Capital One CLI's

Anonymous — Tue, 25 Sep 2018 01:46:32 GMT

Nice bumps, C4. Congrats!

Have you considered combining the two cards since they're both QS?

Re: Capital One CLI's

Cred4All — Tue, 25 Sep 2018 02:04:34 GMT

@Anonymous wrote:
Nice bumps, C4. Congrats!
Have you considered combining the two cards since they're both QS?

Great question... Is it indeed possible to combine the newer card (better interest rate) with the older card (Not so favorable interest rate but is 13.5yrs old)? I think I'd have to choose if the older account was more important or the interest rate prior to combining if that is in fact possible. Due to PIF, the interest rate would be a non-issue hence older account would win.

Re: Capital One CLI's

Anonymous — Tue, 25 Sep 2018 03:10:03 GMT

Congrats!!

Re: Capital One CLI's

Anonymous — Tue, 25 Sep 2018 05:12:05 GMT

Congrats on the Cap1 love!

Re: Capital One CLI's

Cred4All — Tue, 25 Sep 2018 12:32:10 GMT

@Anonymous wrote:
Nice bumps, C4. Congrats!
Have you considered combining the two cards since they're both QS?

Just logged into Capital One, so as an update, am combining these (What good timing after an increase right!) so only 1 Quicksilver / $11,950 Limit, soon to be 14yr old card. Thanks for the suggestion James_A and positive feedback everyone.

Re: Capital One CLI's

xaximus — Tue, 25 Sep 2018 12:55:57 GMT

Congrats on the CLIs!

Re: Capital One CLI's

19eighty5 — Tue, 25 Sep 2018 14:59:46 GMT

Congratulations on both of your CLIs!!

Re: Capital One CLI's

JustBPatient — Tue, 25 Sep 2018 15:18:05 GMT

Congrats!!

Re: Capital One CLI's

Shooting-For-800 — Tue, 25 Sep 2018 19:11:26 GMT

Congrats!