topic Re: Capital One Walmart MC CLI? in Credit Card Applications

Capital One Walmart MC CLI?

Anonymous — Sat, 20 Nov 2021 03:30:44 GMT

Anyone receive a CLI on their Cap One Walmart MC yet? Haven't seen too much talk of this and was wondering.

Re: Capital One Walmart MC CLI?

OmarGB9 — Sat, 20 Nov 2021 07:02:20 GMT

Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.

Re: Capital One Walmart MC CLI?

Steveo777 — Sat, 20 Nov 2021 18:03:32 GMT

I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.

Re: Capital One Walmart MC CLI?

Anonymous — Sat, 20 Nov 2021 21:19:49 GMT

@OmarGB9 wrote:
Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.

Ive only had one other co-branded Cap One card which was the Saks First that they recently took over. 3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards.

Re: Capital One Walmart MC CLI?

FinStar — Sat, 20 Nov 2021 21:26:58 GMT

@Anonymous wrote:
@OmarGB9 wrote:
Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.
Ive only had one other co-branded Cap One card which was the Saks First that they recently took over. 3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards.

Capital One took over the Saks, NM/BG and Menards CC portfolios a long time ago, not recently. In the past, these were with HSBC. The only thing that was done recently was integrate their web portals into a single platform with the main Capital One website. As far as CLIs, they still follow similar guidelines as they did with HSBC (even with the transitioned websites). I haven't noticed anything different as far as outcomes with NM or Menards either.

Re: Capital One Walmart MC CLI?

Anonymous — Sun, 21 Nov 2021 00:06:56 GMT

@FinStarRecently meaning figuratively speaking. Define "Long" I received notice for Saks this year I "believe". I remember having to previously "Call in" to CS for CLI request which always ended in a Denial. Cap One has a Luv button.

Re: Capital One Walmart MC CLI?

FinStar — Sun, 21 Nov 2021 01:00:28 GMT

@Anonymous wrote:
@FinStarRecently meaning figuratively speaking. Define "Long" I received notice for Saks this year I "believe". I remember having to previously "Call in" to CS for CLI request which always ended in a Denial. Cap One has a Luv button.

You're right, I suppose "long" can be subjective 😉

But, yes, in the past before all PLCCs were integrated into the main Capital One website, one would have to call in for CLIs, which was the same for the other legacy PLCCs such as NM/BG, Menards, etc. Cabela's and the GM BuyPower card were the first accounts to be integrated into one platform like the others, which has made it a lot easier to manage them on a single portal vs multiple ones.

Re: Capital One Walmart MC CLI?

SUPERSQUID — Sun, 21 Nov 2021 12:22:58 GMT

@Steveo777 wrote:
I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.

I wasnt aware you can use the wm card at sams club too. Do you have to use the walmart pay app at sams club?

Can you use the wm card at sams club fuel stations for 5 percent off on gas?

Re: Capital One Walmart MC CLI?

SUPERSQUID — Sun, 21 Nov 2021 12:25:45 GMT

@FinStar wrote:
@Anonymous wrote:
@OmarGB9 wrote:
Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.
Ive only had one other co-branded Cap One card which was the Saks First that they recently took over. 3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards.
Capital One took over the Saks, NM/BG and Menards CC portfolios a long time ago, not recently. In the past, these were with HSBC. The only thing that was done recently was integrate their web portals into a single platform with the main Capital One website. As far as CLIs, they still follow similar guidelines as they did with HSBC (even with the transitioned websites). I haven't noticed anything different as far as outcomes with NM or Menards either.

Why is the kohls cobranded card faily easy to get cli's with and the wm not? both are cap 1

Re: Capital One Walmart MC CLI?

Beast26 — Sun, 21 Nov 2021 15:42:49 GMT

Yes I have gotten an auto CLI with my Walmart MasterCard. I got it in April with a $2,000 credit line. I tried to get an increase around September but was denied. In October they auto CLI'd me $500 taking me to a $2,500 credit line. I average about $200-300/month spend on mine.

Re: Capital One Walmart MC CLI?

SoCalGardener — Sun, 21 Nov 2021 19:15:43 GMT

@Anonymous wrote:
Anyone receive a CLI on their Cap One Walmart MC yet? Haven't seen too much talk of this and was wondering.

My CL hasn't budged since Cap1 took over this account. It was $10,000 when they acquired it, and there it sits! I have two other Cap1 cards, both Quicksilvers, and between the three of them, this is how many CLIs I've gotten in the last year or so: ZERO.

Re: Capital One Walmart MC CLI?

SoCalGardener — Sun, 21 Nov 2021 19:19:07 GMT

@SUPERSQUID wrote:
@Steveo777 wrote:
I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.
I wasnt aware you can use the wm card at sams club too.

If we're talking about the same card, i.e., the Capital One Walmart Rewards MC, why wouldn't it be usable at Sams? It's a MC, so you can use it anywhere MC is accepted.

Re: Capital One Walmart MC CLI?

FinStar — Sun, 21 Nov 2021 20:02:45 GMT

@SUPERSQUID wrote:
@FinStar wrote:
@Anonymous wrote:
@OmarGB9 wrote:
Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.
Ive only had one other co-branded Cap One card which was the Saks First that they recently took over. 3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards.
Capital One took over the Saks, NM/BG and Menards CC portfolios a long time ago, not recently. In the past, these were with HSBC. The only thing that was done recently was integrate their web portals into a single platform with the main Capital One website. As far as CLIs, they still follow similar guidelines as they did with HSBC (even with the transitioned websites). I haven't noticed anything different as far as outcomes with NM or Menards either.
Why is the kohls cobranded card faily easy to get cli's with and the wm not? both are cap 1

@SUPERSQUID

It runs on a different UW/lending platform. If you notice, the Kohls card hasn't been integrated into the Capital One main website (unlike the others). It's been managed as a separate PLCC since Capital One acquired it back in the day from Chase (when Chase used to dabble in retail consumer CCs).

Re: Capital One Walmart MC CLI?

FinStar — Sun, 21 Nov 2021 20:11:18 GMT

@SoCalGardener wrote:
@Anonymous wrote:
Anyone receive a CLI on their Cap One Walmart MC yet? Haven't seen too much talk of this and was wondering.
My CL hasn't budged since Cap1 took over this account. It was $10,000 when they acquired it, and there it sits! I have two other Cap1 cards, both Quicksilvers, and between the three of them, this is how many CLIs I've gotten in the last year or so: ZERO.

Mine has been $10K as well. I had lowered the CL (not long before the transistion to Capital One) to spread CLs with the other SYNCB accounts. That said, I feel *for my use* $10K is plenty suitable and haven't bothered with a CLI request. I don't know whether the average or individual consumer would really spend ~$10K on a monthly or frequent basis at Walmart/Sam's Club (unless one happens to be running a business)!🤷🏼‍♂️

Re: Capital One Walmart MC CLI?

SoCalGardener — Sun, 21 Nov 2021 20:24:53 GMT

@FinStar wrote:
@SoCalGardener wrote:
My CL hasn't budged since Cap1 took over this account. It was $10,000 when they acquired it, and there it sits! I have two other Cap1 cards, both Quicksilvers, and between the three of them, this is how many CLIs I've gotten in the last year or so: ZERO.
Mine has been $10K as well. I had lowered the CL (not long before the transistion to Capital One) to spread CLs with the other SYNCB accounts. That said, I feel *for my use* $10K is plenty suitable and haven't bothered with a CLI request. I don't know whether the average or individual consumer would really spend ~$10K on a monthly or frequent basis at Walmart/Sam's Club (unless one happens to be running a business)!🤷🏼‍♂️

I hear you! But do keep in mind it's a MC, so you're not limited to just WM-related shopping. As for a higher limit, shhhhh.... don't tell any of my creditors..... but I ask for CLIs to pad my TCL!

Re: Capital One Walmart MC CLI?

MommomG08 — Mon, 22 Nov 2021 04:05:15 GMT

I just go an auto CLI from them a few weeks ago for $2,000 more.

@Anonymous wrote:
Anyone receive a CLI on their Cap One Walmart MC yet? Haven't seen too much talk of this and was wondering.

Re: Capital One Walmart MC CLI?

collics — Tue, 23 Nov 2021 18:08:37 GMT

@SUPERSQUID wrote:
@Steveo777 wrote:
I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.
I wasnt aware you can use the wm card at sams club too. Do you have to use the walmart pay app at sams club?
Can you use the wm card at sams club fuel stations for 5 percent off on gas?

I think you mean use at Sam's for the same benefits? No that's just at Walmart. But you use it at Sam's since it's a Mastercard for 1% back i assume I haven't made a purchase there w the card myself.

Re: Capital One Walmart MC CLI?

stonedog23 — Tue, 23 Nov 2021 18:15:07 GMT

Something told me to get every increase I could when it was a Walmart MC. Because just like my bucketed QS, this card is going no where. I was told recently after a request that my limit was as high as this card can go, $8K. I wish I had migrated it over with a higher limit.

Re: Capital One Walmart MC CLI?

SoCalGardener — Wed, 24 Nov 2021 00:38:42 GMT

@stonedog23 wrote:
Something told me to get every increase I could when it was a Walmart MC. Because just like my bucketed QS, this card is going no where. I was told recently after a request that my limit was as high as this card can go, $8K. I wish I had migrated it over with a higher limit.

FWIW, my limit is $10,000 so I don't know why they told you that!

Re: Capital One Walmart MC CLI?

firefox100 — Wed, 24 Nov 2021 14:28:21 GMT

HI and Happy Thanksgiving to all. I have walmart mastercard which had a 18K limit when it came over to Capital one from Synchrony Oct of 2019 and only increase I was able to get from Capital one was a 1K increase couple months later which makes the cl 19K. I have only tryed once for increase about year later got mesage your account under review for usage and this time we are not granting any increases on this type of account. I have not ask for any more increases don't wake up capital one have my line cut down.