topic Re: capitalone cli question in Credit Card Applications

capitalone cli question

Anonymous — Mon, 08 Dec 2014 21:33:18 GMT

I've got a cap1 quick silver one card I've had for 13 months now. Started with a 300.00 limit. After 5th statement I was bumped up to 500.00. My 12th statement just cut on the 6th. Since no auto cli yet I was wondering the best route I can take?

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 21:37:55 GMT

Request Credit Limit Increase online. I did it about the same timeframe you are speaking of and I got 1000 on my Journey and 500 on my QS. Still recon on both through the EO though. Supposed to hear something back this week.

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 21:58:56 GMT

Thanks for the info!

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 22:02:49 GMT

Try your increase button they may have one for you.

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 22:14:28 GMT

Just tried. ..2-3 day notice. ..ugh!!

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 22:15:48 GMT

If you don't mind, report back what your success (hoping there is one), as I'm curious to know how Capital One treats different people.

Edit: Posted as you were posting. Sorry to hear that, you should try the EO though after getting your document online.

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 22:16:40 GMT

Make sure to pay attention to the second page as to what they are listing your score as and date of that score. Capital One has a habit of using scores from like 3-4months ago.

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 22:52:36 GMT

Got it thanks! I'll wait until I get the online document then email the eo.

Re: capitalone cli question

Creditaddict — Mon, 08 Dec 2014 23:05:17 GMT

@Anonymous wrote:
Got it thanks! I'll wait until I get the online document then email the eo.

it's denied... I would just call directly into EO office and ask for manual review.

Re: capitalone cli question

Anonymous — Mon, 08 Dec 2014 23:15:38 GMT

Thank you very much

Re: capitalone cli question

SunriseEarth — Tue, 09 Dec 2014 00:36:17 GMT

@Creditaddict wrote:
@Anonymous wrote:
Got it thanks! I'll wait until I get the online document then email the eo.
it's denied... I would just call directly into EO office and ask for manual review.

+1. Cap One CLIs using the button are instant. If you get the 2-3 days message, it's a denial.

Re: capitalone cli question

Anonymous — Tue, 09 Dec 2014 00:39:06 GMT

i woudn't apply for Cap1 again.

Re: capitalone cli question

SunriseEarth — Tue, 09 Dec 2014 01:02:08 GMT

@Anonymous wrote:
i woudn't apply for Cap1 again.

Part of why I got the Citi DC was in the hopes of moving away from Cap One. But then, Cap One gave a nice CLI to my QS1. Citi refused to budge from their anemic CL, even when I took an HP. Considering that I've had two COs with Cap One, they've treated me well. I've just about given up on Citi. Experience with lenders can definitely vary, so it's always best to find what works for you. You might be surprised.

Re: capitalone cli question

Anomalous — Tue, 09 Dec 2014 01:33:30 GMT

@Anonymous wrote:
I've got a cap1 quick silver one card I've had for 13 months now. Started with a 300.00 limit. After 5th statement I was bumped up to 500.00. My 12th statement just cut on the 6th. Since no auto cli yet I was wondering the best route I can take?

I haven't received at auto cli since April of this year. I've been using the luv button and continue to get the 2-3 message. The denial letter stated that an increase was not granted due to a low credit score. The score they listed is not the current EQ FICO score that I receive from this site. Back in October when I tried the letter reported a score that was from July credit report. I reached out to them on Facebook to discuss this issue and received a call a week later (today) from EO. The gentleman asked me a few questions and told me I should hear something in 3-5 days after manual review. I'm hoping this will get me a CLI. It seems that more people have success after talking with someone from EO.

Re: capitalone cli question

Anonymous — Mon, 19 Jan 2015 03:19:51 GMT