topic Re: Unusual Capital One QS CLI streak continues $28K in Credit Card Approvals

Unusual Capital One QS CLI streak continues $28K

Aim_High — Fri, 19 Aug 2022 19:37:12 GMT

I posted in January about hitting the CLI button with Capital One expecting a denial. Normally, I've found they want to see some heavier spending to grant a CLI. While with heavier spending I had been given $3K increases about once every six months, they still gave me a $1K increase with only light spending relative to my existing $25K CL. Oddly enough, this piqued my interest and I've been trying more this year. They also gave another $1K CLI in May. Then today, they approved a 3rd $1K increase this year to $28K! I've been given an increase about every three to four months with only spending about 1.5% to 2% of the TCL in-between increases. Most data points I've seen about Capital One as well as my own personal experience indicates a cardholder is only eligible for one CLI every six months and only after spending a sizable amount of the existing limit.

I had speculated that my opening and maintaining a Capital One 360 money market account might have swayed the decision. I still have that account with a large balance, so it's possible that has tilted the odds in my favor of small CLIs regardless of spend. But of course, we'll never know for sure!

2022 progress: $25K > $26K > $27K > $28K!

*By the way, this brings my TCL to $680K (or $698K if including my AMEX Gold Pay-over-Time.)

Re: Unusual Capital One QS CLI streak continues $28K

SDMarik — Fri, 19 Aug 2022 18:46:14 GMT

Congrats on the multiple increases, great data points as well! Love the $1K increases haha

Re: Unusual Capital One QS CLI streak continues $28K

PullingMeSoftly — Fri, 19 Aug 2022 20:26:11 GMT

Nicely done sensei @Aim_High, squeezing C1 for some steady increases...incredible growth of your TCL, chapeau!

Re: Unusual Capital One QS CLI streak continues $28K

KingRue8500 — Fri, 19 Aug 2022 22:14:32 GMT

Congrats on your Capital One Quicksilver CLI

Re: Unusual Capital One QS CLI streak continues $28K

mgood — Sat, 20 Aug 2022 00:07:32 GMT

Congrats on the repeat CLIs. Less than six months is very unusual, let alone doing it multiple times.

Re: Unusual Capital One QS CLI streak continues $28K

nytokyobred79 — Sat, 20 Aug 2022 03:19:25 GMT

@Aim_High Congrats on the steady CLIs. May the next be the big one 😁

Re: Unusual Capital One QS CLI streak continues $28K

gingerflower — Sat, 20 Aug 2022 06:34:15 GMT

Congratulations!! 👍

Re: Unusual Capital One QS CLI streak continues $28K

Traveler101 — Sat, 20 Aug 2022 10:41:39 GMT

Congratulations!

Re: Unusual Capital One QS CLI streak continues $28K

Anonymous — Sat, 20 Aug 2022 14:48:05 GMT

that's all you are getting from me. #jealous

Re: Unusual Capital One QS CLI streak continues $28K

GatorGuy — Sat, 20 Aug 2022 17:49:12 GMT

Congrats! You can ask for an increase from Capital One every 90 days but they usually are using old scores (~2 months) and unless something significant changed with your report and spending you are unlikely to be approved.

I think they are probably giving you $1k increments because they appreciate your deposits. They did the same thing with me after I hit $50k on my Venture card but still had high spend.

Re: Unusual Capital One QS CLI streak continues $28K

CreditAggie — Sun, 21 Aug 2022 03:39:44 GMT

Congratulations on your Capital One QS CLI!

Re: Unusual Capital One QS CLI streak continues $28K

shane1978 — Sun, 21 Aug 2022 05:59:31 GMT

@GatorGuy wrote:
Congrats! You can ask for an increase from Capital One every 90 days but they usually are using old scores (~2 months) and unless something significant changed with your report and spending you are unlikely to be approved.

I did not know the 90 day bit. I always waited 6 months.

Re: Unusual Capital One QS CLI streak continues $28K

babygirl1256 — Sun, 21 Aug 2022 08:55:29 GMT

Congrats on your Capital One QS CLI . . . that's super sweet!!!

Re: Unusual Capital One QS CLI streak continues $28K

cashorcharge — Sun, 21 Aug 2022 17:52:18 GMT

WooHoo!! Congratulations on your continued Cap1 Approval Success!!👏🏼🍾🥂

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:18:24 GMT

@SDMarik wrote:
Congrats on the multiple increases, great data points as well! Love the $1K increases haha

Thanks very much, @SDMarik. Yes, the $1K at at time is slow but still progress! Lol 😂. I thought the overall data points were more noteworthy than the actual CLI in my case.

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:23:26 GMT

@PullingMeSoftly wrote:
Nicely done sensei @Aim_High, squeezing C1 for some steady increases...incredible growth of your TCL, chapeau!

Thanks @PullingMeSoftly! And I appreciate the 'sensei' reference (I assume compliments of @learningcredit54 in thread). I'll accept either that compliment or Jedi Master, as you've used in the past. Lol Yes, incredible growth of TCL, thanks much to assistance of the My Fico community! Lots of tricks of the trade to learn on the forums!

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:24:17 GMT

@KingRue8500 wrote:
Congrats on your Capital One Quicksilver CLI

Thanks very much @KingRue8500!

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:25:42 GMT

@mgood wrote:
Congrats on the repeat CLIs. Less than six months is very unusual, let alone doing it multiple times.

Thanks very much @mgood!

Too funny on that GIF! LMAO Hilarious!

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:28:33 GMT

@nytokyobred79 wrote:
@Aim_High Congrats on the steady CLIs. May the next be the big one 😁

Thanks very much @nytokyobred79! I never expected to grow this card above $25K as that was my long-term goal. So anything above that is just gravy! Still wish CapONE was more loose on product changes and CL consolidation, not to mention the dreaded three-bureau pull for new cards. I'd like to roll this into a new card like Venture X but those policies are holding me back for now.

Re: Unusual Capital One QS CLI streak continues $28K

Aim_High — Sun, 21 Aug 2022 21:30:54 GMT

@gingerflower wrote:
Congratulations!! 👍
@Traveler101 wrote:
Congratulations!

Thanks so much @gingerflower and @Traveler101!