topic Re: LOL, I received a Cap1 auto CLI..... in Credit Card Approvals

LOL, I received a Cap1 auto CLI.....

L-TWT — Sat, 06 Feb 2021 11:18:23 GMT

Let me give you a little back story, back in Nov. 2015 I opened a Cap1 QS CC with $12K CL. Over the next couple of months I added an authorized user, who began to spend more monthly than allowed, so I requested a CL decrease to $5.5K because I was only using the card the pay bills and stayed in my sock drawer. Fast foward to this morning, I received an email stating my CL has been increased by $2.5K. I have been actively using CC's since 2008 and have never received an auto CLI.

Re: LOL, I received a Cap1 auto CLI.....

Credit4Growth — Sat, 06 Feb 2021 11:28:01 GMT

😁 Congratulations on your 1st auto credit limit Open privacy (surprise)l increase!

Re: LOL, I received a Cap1 auto CLI.....

GApeachy — Sat, 06 Feb 2021 12:17:53 GMT

Well go figure, here you are trying to squelch AU spending and there they (Cap1) are trying to encourage it. Hahaha! You may have found a method to their madness.

Congrats? (if you're happy about it.......CONGRATS!)

So what's the utl percentage been as of late?

Re: LOL, I received a Cap1 auto CLI.....

L-TWT — Sat, 06 Feb 2021 13:15:02 GMT

My AU spends $500/month (the monthly allowed amount), my monthly bills average around $1k/month. Over the last two months I've been doing a lot of online shopping 😁 (and I mean ALOT), and purchased some airline tickets (3 total) and rented a car to attend a funeral. So the last two months I've spent btw $3.5 to 5k/month and have PIF.

Re: LOL, I received a Cap1 auto CLI.....

GApeachy — Sat, 06 Feb 2021 13:26:50 GMT

Thanks for the dp's @L-TWT Yeah, that's true Cap1 fashion, big spend= cli's. Understandable of them but still....I always had to beg even with big spend. Good for you and Congrats again!

Re: LOL, I received a Cap1 auto CLI.....

CreditAggie — Sat, 06 Feb 2021 13:40:30 GMT

Congratulations on your Capital One auto-CLI!

Re: LOL, I received a Cap1 auto CLI.....

Anonymous — Sat, 06 Feb 2021 13:48:35 GMT

Congrats, and hopefully your AU keeps things real going forward!

Re: LOL, I received a Cap1 auto CLI.....

AllZero — Sat, 06 Feb 2021 15:35:00 GMT

Congratulations on your PCLI!

Re: LOL, I received a Cap1 auto CLI.....

JoeLuvsHisCredit — Sat, 06 Feb 2021 15:42:55 GMT

Re: LOL, I received a Cap1 auto CLI.....

M_Smart007 — Sat, 06 Feb 2021 16:29:49 GMT

Congratulations!

Re: LOL, I received a Cap1 auto CLI.....

Curious_George2 — Sat, 06 Feb 2021 16:34:02 GMT

Congratulations! Not a conventional, or easy to follow path you took, but I'm glad it worked for you. I hope you are happy about it and the AU situation stays stable. Thanks for sharing.

Re: LOL, I received a Cap1 auto CLI.....

gdale6 — Sat, 06 Feb 2021 18:16:21 GMT

Interesting that you received an auto CLI, most say when you voluntarily do CLD that you will not qualify for autos anymore and will have to request CLI. Grats on getting it!!

Re: LOL, I received a Cap1 auto CLI.....

BAD_UP — Sat, 06 Feb 2021 18:58:26 GMT

Congrats on your Cap1 Auto CLI 🎉👍

Re: LOL, I received a Cap1 auto CLI.....

Getty59 — Sat, 06 Feb 2021 20:33:32 GMT

Congrats!, 👍

Re: LOL, I received a Cap1 auto CLI.....

Wavester64 — Sat, 06 Feb 2021 20:41:49 GMT

@L-TWT wrote:
Let me give you a little back story, back in Nov. 2015 I opened a Cap1 QS CC with $12K CL. Over the next couple of months I added an authorized user, who began to spend more monthly than allowed, so I requested a CL decrease to $5.5K because I was only using the card the pay bills and stayed in my sock drawer. Fast foward to this morning, I received an email stating my CL has been increased by $2.5K. I have been actively using CC's since 2008 and have never received an auto CLI.

Congrats!

To quote the great Ed Norton, as it pertains to CLIs of any nature from Cap-1 "Those are scarcer than hens' teeth!"

Re: LOL, I received a Cap1 auto CLI.....

Demented1 — Sun, 07 Feb 2021 00:26:20 GMT

Congratulations on your CLI.

Re: LOL, I received a Cap1 auto CLI.....

gingerflower — Sun, 07 Feb 2021 00:58:00 GMT

Congratulations on your CLI!