topic Cap One Union Plus MC CLI in Credit Card Approvals

Cap One Union Plus MC CLI

ChargedUp — Sun, 21 Nov 2021 05:00:43 GMT

I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...

Re: Cap One Union Plus MC CLI

TSlop — Fri, 19 Nov 2021 20:25:30 GMT

Congrats on your CLI!

Re: Cap One Union Plus MC CLI

MartyWrite75 — Fri, 19 Nov 2021 20:27:10 GMT

Congratulations on your CLI!

Re: Cap One Union Plus MC CLI

CreditMagic7 — Fri, 19 Nov 2021 20:38:36 GMT

Congrats on your CLI!

Re: Cap One Union Plus MC CLI

gdale6 — Fri, 19 Nov 2021 20:59:49 GMT

Grats on the move up!

Re: Cap One Union Plus MC CLI

cashorcharge — Fri, 19 Nov 2021 22:24:06 GMT

That's terrific!! Congratulations on your Cap1 CLI Approval!! 🥂🎉👏🏻

Re: Cap One Union Plus MC CLI

Titans84 — Fri, 19 Nov 2021 22:51:52 GMT

Congrats on your Captial One Union Plus CLI!

Re: Cap One Union Plus MC CLI

CreditAggie — Fri, 19 Nov 2021 23:39:12 GMT

Congratulations on your Capital One CLI!

Re: Cap One Union Plus MC CLI

Rebuild2019 — Fri, 19 Nov 2021 23:44:22 GMT

Congratulations 🎊🎈🎉 on your Capital One CLI.

Re: Cap One Union Plus MC CLI

KingRue8500 — Sat, 20 Nov 2021 01:51:06 GMT

Congrats on your Capital One Union Plus CLI

Re: Cap One Union Plus MC CLI

woodyman100 — Sun, 21 Nov 2021 05:01:37 GMT

@ChargedUp wrote:
I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...

😂🤣😂🤣

Re: Cap One Union Plus MC CLI

M_Smart007 — Sat, 20 Nov 2021 02:19:10 GMT

@ChargedUp, Congrats on your Cap1 increase!!!

Re: Cap One Union Plus MC CLI

Total80sKid — Sat, 20 Nov 2021 06:07:16 GMT

Congrats on your Union Plus CLI 👍🏼

Re: Cap One Union Plus MC CLI

Sub16610 — Sun, 21 Nov 2021 04:46:04 GMT

Congrats on cli!

Re: Cap One Union Plus MC CLI

FinStar — Sun, 21 Nov 2021 05:05:23 GMT

@ChargedUp wrote:
I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...

Congrats on the CLI!

This card along with the GM BuyPower CC were on a similar UW platform back in the day. I've seen this particular card with CLs in the $10K range, though. Although, it may take a while for this one to get there.

Let us know how the Power Ball efforts turned out!

Re: Cap One Union Plus MC CLI

ChargedUp — Sun, 21 Nov 2021 20:44:46 GMT

@FinStar wrote:
@ChargedUp wrote:
I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...
Congrats on the CLI!

This card along with the GM BuyPower CC were on a similar UW platform back in the day. I've seen this particular card with CLs in the $10K range, though. Although, it may take a while for this one to get there.

Let us know how the Power Ball efforts turned out!

Back in the day I ran this card up to around $2000-2300 every month and PIF but still no dice. That's when I decided to give the Cap One Cafe a try and the UW said essentially "No CLI's ever!", which is why even getting the $250 surprised me. I wonder if the amount of spend I put through Savor may have anything to do with the door slightly squeaking open more as I haven't put more than $100 a year on this card for a long time. (Last use was a $30 haircut in July. Savor gets $3-5K/month.)

At this pace it may get to a useful CL by the time I retire.

Powerball paid a whopping $3

Re: Cap One Union Plus MC CLI

FinStar — Sun, 21 Nov 2021 20:51:35 GMT

@ChargedUp wrote:
@FinStar wrote:
@ChargedUp wrote:
I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...
Congrats on the CLI!

This card along with the GM BuyPower CC were on a similar UW platform back in the day. I've seen this particular card with CLs in the $10K range, though. Although, it may take a while for this one to get there.

Let us know how the Power Ball efforts turned out!
Back in the day I ran this card up to around $2000-2300 every month and PIF but still no dice. That's when I decided to give the Cap One Cafe a try and the UW said essentially "No CLI's ever!", which is why even getting the $250 surprised me. I wonder if the amount of spend I put through Savor may have anything to do with the door slightly squeaking open more as I haven't put more than $100 a year on this card for a long time. (Last use was a $30 haircut in July. Savor gets $3-5K/month.)

At this pace it may get to a useful CL by the time I retire.

Powerball paid a whopping $3

I was hoping the Powerball would've made up for the CLI! I'm stealing that GIF tho 😂

Re: Cap One Union Plus MC CLI

ChargedUp — Sun, 21 Nov 2021 20:58:37 GMT

@FinStar wrote:
@ChargedUp wrote:
@FinStar wrote:
@ChargedUp wrote:
I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...
Congrats on the CLI!

This card along with the GM BuyPower CC were on a similar UW platform back in the day. I've seen this particular card with CLs in the $10K range, though. Although, it may take a while for this one to get there.

Let us know how the Power Ball efforts turned out!
Back in the day I ran this card up to around $2000-2300 every month and PIF but still no dice. That's when I decided to give the Cap One Cafe a try and the UW said essentially "No CLI's ever!", which is why even getting the $250 surprised me. I wonder if the amount of spend I put through Savor may have anything to do with the door slightly squeaking open more as I haven't put more than $100 a year on this card for a long time. (Last use was a $30 haircut in July. Savor gets $3-5K/month.)

At this pace it may get to a useful CL by the time I retire.

Powerball paid a whopping $3
I was hoping the Powerball would've made up for the CLI! I'm stealing that GIF tho 😂

If the Powerball had hit, I'd be posting pics in the Garden of running BoA, Chase and Amex up to their limits in Ibiza

Re: Cap One Union Plus MC CLI

coreyb80 — Sun, 21 Nov 2021 21:33:43 GMT

Congrats on the increase!