topic Re: Quicksilver CLI 2-3 day message in Credit Card Applications

Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 03:10:44 GMT

Today I pulled the trigger on the CLI for my QS1!

Recieved a message stating 2-3 days review. Does this mean I’m denied? I feel like this card has been stuck at $750 forever!!!

I use the card and pay it off most times but there are times I carry a balance around 50%. I’m thinking I’m going to keep this card at 0 as I should anyway.

Re: Quicksilver CLI 2-3 day message

Medic981 — Fri, 21 Sep 2018 03:27:49 GMT

@Anonymous wrote:
Today I pulled the trigger on the CLI for my QS1!

Recieved a message stating 2-3 days review. Does this mean I’m denied? I feel like this card has been stuck at $750 forever!!!

I use the card and pay it off most times but there are times I carry a balance around 50%. I’m thinking I’m going to keep this card at 0 as I should anyway.

It has been my experience that it is either an instant approval or you get the 2-3 day message which has been for me a denial. My Cap1 QS1 is my netflix autopay card and sits in the SD. My AF is due in October and if I cannot get it waved it is adios to Cap1. Thanks for the memories!

Re: Quicksilver CLI 2-3 day message

mrfragicide — Fri, 21 Sep 2018 03:30:30 GMT

It’s pretty much been my experience with C1 that if you get anything other than an instant approval on a CLI, its a denial. Ive been with them for almost 10 years now and it hasn’t changed.

However, they do give random CLIs without a request. Most times they happen within a week or two of requesting a CLI. C1 is finicky sometimes. Doesn’t make sense.

Re: Quicksilver CLI 2-3 day message

Medic981 — Fri, 21 Sep 2018 03:35:58 GMT

Capital One... NOT in my wallet!

Re: Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 03:40:58 GMT

Ugh that sucks. It’s not my oldest card but one of my oldest cards I believe 6 years so I can’t get rid of it. I also have a BuyPowerCard. Low limit as well. I got the cards when I had a very thin file, and I know my credit hasn’t been the best but I have never paid them late!

Since reading the forums it seems utilization is key. As well as good scores.

Re: Quicksilver CLI 2-3 day message

Medic981 — Fri, 21 Sep 2018 03:45:48 GMT

If you are worried about AAoA going down if you close your card, don't. The card will remain a positive tradeline for ten years after it is closed. UTI is another story. You might want to try to get a CLI to replace the credit you would lose before canceling.

Re: Quicksilver CLI 2-3 day message

mrfragicide — Fri, 21 Sep 2018 03:51:10 GMT

@Anonymous wrote:
Ugh that sucks. It’s not my oldest card but one of my oldest cards I believe 6 years so I can’t get rid of it. I also have a BuyPowerCard. Low limit as well. I got the cards when I had a very thin file, and I know my credit hasn’t been the best but I have never paid them late!

Since reading the forums it seems utilization is key. As well as good scores.

I also have a BuyPowerCard and CLIs are not allowed with them. They only happen at random. Honestly, the only card I enjoy at C1 is the Savor card. All the others are trash and taking up space.

I did a PC from the Platinum to a QS1 since that was my starter card (started at $300 CL, is now $2500), but other than that it’s been bucketed.

Re: Quicksilver CLI 2-3 day message

Medic981 — Fri, 21 Sep 2018 03:59:02 GMT

@mrfragicide wrote:
@Anonymous wrote:
Ugh that sucks. It’s not my oldest card but one of my oldest cards I believe 6 years so I can’t get rid of it. I also have a BuyPowerCard. Low limit as well. I got the cards when I had a very thin file, and I know my credit hasn’t been the best but I have never paid them late!

Since reading the forums it seems utilization is key. As well as good scores.
I also have a BuyPowerCard and CLIs are not allowed with them. They only happen at random. Honestly, the only card I enjoy at C1 is the Savor card. All the others are trash and taking up space.

I did a PC from the Platinum to a QS1 since that was my starter card (started at $300 CL, is now $2500), but other than that it’s been bucketed.

My QS1 is bucketed. It started at $300 and the CL stands at $1100. The card is the first in my rebuild and turns 2 years old next month.

I have tried to PC it to a QS but no go, even after contacting the EO. It is my only AF card and if it ever costs me it is outa here!

Re: Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 14:50:37 GMT

Your signature shows TU & EX score increase of 70 points from August to Sept -- if this is accurate, know that Cap1 isn't yet aware of this improvement. In my experience they run 5-6 weeks behind.

When your denial letter comes, note the score/date used (ie, EX FICO 622, 7/30/2018) and depending on how far back the date, try again to learn when the date updates (in this example, advancing forward from 7/30 to 8/30 might not help you much if the real score improvement didn't happen until Sept ).

Good luck.

Re: Quicksilver CLI 2-3 day message

egold1234 — Fri, 21 Sep 2018 15:44:51 GMT

I just received instant CLIs on the following Cap One cards:

Spark $10k to $15k
Venture $8700 to $9450

I received a 2-3 notice on my Quick Silver. Logged in two days later and found:
$17,750 to $20,750

My other Quick Silver One, which was my rebuilder is at $4,750 and stuck. Denied CLI.

Re: Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 17:55:15 GMT

wrote:

I also have a BuyPowerCard and CLIs are not allowed with them. They only happen at random. Honestly, the only card I enjoy at C1 is the Savor card. All the others are trash and taking up space.
I did a PC from the Platinum to a QS1 since that was my starter card (started at $300 CL, is now $2500), but other than that it’s been bucketed.

Nooo I wish it was not at random! I use it for the 5% back towards a car because I plan to buy a corvette in 2020. Similar to you I started with platinum and product changed a month ago to QS1. I want the savor one but she said I was not applicable for that card yet, but In a couple months I may. What is your cL for the Savor?

Re: Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 17:52:16 GMT

@Anonymous wrote:
Your signature shows TU & EX score increase of 70 points from August to Sept -- if this is accurate, know that Cap1 isn't yet aware of this improvement. In my experience they run 5-6 weeks behind.

When your denial letter comes, note the score/date used (ie, EX FICO 622, 7/30/2018) and depending on how far back the date, try again to learn when the date updates (in this example, advancing forward from 7/30 to 8/30 might not help you much if the real score improvement didn't happen until Sept ).

Good luck.

You’re right. I will try that in November.

Re: Quicksilver CLI 2-3 day message

Anonymous — Fri, 21 Sep 2018 17:54:06 GMT

@egold1234 wrote:
I just received instant CLIs on the following Cap One cards:

Spark $10k to $15k
Venture $8700 to $9450

I received a 2-3 notice on my Quick Silver. Logged in two days later and found:
$17,750 to $20,750

My other Quick Silver One, which was my rebuilder is at $4,750 and stuck. Denied CLI.

Congrats those are great increases and limits.