topic Re: CapOne QS CLI denied in Credit Card Applications

CapOne QS CLI denied

ecocredit — Mon, 12 Jan 2015 06:22:41 GMT

The reason was - "Recent use of this account's existing credit line has been too low". My utilization has been close to 50% and I always PIF. What gives? Can I appeal this?

Re: CapOne QS CLI denied

Anonymous — Mon, 12 Jan 2015 06:23:43 GMT

@ecocredit wrote:
The reason was - "Recent use of this account's existing credit line has been too low". My utilization has been close to 50% and I always PIF. What gives? Can I appeal this?

Contact EO, This is their standard "Buzz off" reason.

Re: CapOne QS CLI denied

Anonymous — Mon, 12 Jan 2015 06:24:13 GMT

Agreed

Re: CapOne QS CLI denied

ecocredit — Mon, 12 Jan 2015 06:34:00 GMT

Thanks I'll do that.

Re: CapOne QS CLI denied

Anonymous — Mon, 12 Jan 2015 07:45:24 GMT

Nixon knows of which he speaks. They told me the same thing for 2 years. The truth of the matter never bothered them.

Re: CapOne QS CLI denied

Anonymous — Mon, 12 Jan 2015 20:25:56 GMT

@Anonymous wrote:
@ecocredit wrote:
The reason was - "Recent use of this account's existing credit line has been too low". My utilization has been close to 50% and I always PIF. What gives? Can I appeal this?
Contact EO, This is their standard "Buzz off" reason.

^^^ This is what i would do for sure .

Re: CapOne QS CLI denied

TRC_WA — Mon, 12 Jan 2015 20:30:43 GMT

That's funny... I just doubled my CL with the luv button from $2000 to $4000 with 6 months of $50 per month PIF usage.

Message the EO on FB and they will call you back.

CapOne makes no sense I know... good luck OP.

Re: CapOne QS CLI denied

CreditCuriosity — Mon, 12 Jan 2015 20:36:07 GMT

That response I agree with Nixon is their typical go-away message unless you want to contact the EO.

Re: CapOne QS CLI denied

CreditCuriosity — Mon, 12 Jan 2015 20:37:18 GMT

@TRC_WA wrote:
That's funny... I just doubled my CL with the luv button from $2000 to $4000 with 6 months of $50 per month PIF usage.

Message the EO on FB and they will call you back.

CapOne makes no sense I know... good luck OP.

You realize you are probably reaching the Max Cap1 is willing to extend you right? You might squeak out one more CLI on your lower limit one, then you will start seeing the same message as the rest of us get all the time

Re: CapOne QS CLI denied

TRC_WA — Mon, 12 Jan 2015 20:46:45 GMT

@CreditCuriousity wrote:
@TRC_WA wrote:
That's funny... I just doubled my CL with the luv button from $2000 to $4000 with 6 months of $50 per month PIF usage.

Message the EO on FB and they will call you back.

CapOne makes no sense I know... good luck OP.
You realize you are probably reaching the Max Cap1 is willing to extend you right? You might squeak out one more CLI on your lower limit one, then you will start seeing the same message as the rest of us get all the time

I have no doubt. We'll find at the end of Feb when I'm due on my 2nd card...

Makes no difference to me either way... I rarely use either card... $50 per month average... $100 if I go crazy with the iTunes purchases.

The 1.5% isn't all that and if I wasn't at $6750 CL with CapOne I'd have closed the accounts last month when I closed the other accounts I didn't need. I don't mind keeping them open to pad the UTI. Can't do that with a toy limit card.

Re: CapOne QS CLI denied

taxi818 — Tue, 13 Jan 2015 03:54:05 GMT

@TRC_WA wrote:
@CreditCuriousity wrote:
@TRC_WA wrote:
That's funny... I just doubled my CL with the luv button from $2000 to $4000 with 6 months of $50 per month PIF usage.

Message the EO on FB and they will call you back.

CapOne makes no sense I know... good luck OP.
You realize you are probably reaching the Max Cap1 is willing to extend you right? You might squeak out one more CLI on your lower limit one, then you will start seeing the same message as the rest of us get all the time
I have no doubt. We'll find at the end of Feb when I'm due on my 2nd card...

Makes no difference to me either way... I rarely use either card... $50 per month average... $100 if I go crazy with the iTunes purchases.

The 1.5% isn't all that and if I wasn't at $6750 CL with CapOne I'd have closed the accounts last month when I closed the other accounts I didn't need. I don't mind keeping them open to pad the UTI. Can't do that with a toy limit card.

+1 great use for util padding.

Re: CapOne QS CLI denied

Reighn9 — Tue, 13 Jan 2015 21:50:15 GMT

I have 2 Capital One cards and a 3rd they bought 3 years ago. The first 2 each time I called the EO for a CLI she told me the cards were eligible just press the luv button. Well I did and got an answer back that both cards were ineligible for an increase. Last May for no reason one card was changed to Quicksilver but no other change. 2nd card still hasn't had a CLI. Card they bought is still transitioning to a Capital One card. Have been told not to use the card, then to use the card, and the EO told me this card would never be elegible for a CLI. These are all low limit cards. I just don't know what to believe with Capital One.