topic Re: Capitol One Quicksilver CLI in Credit Card Applications

Capitol One Quicksilver CLI

Anonymous — Tue, 30 Nov 2021 13:24:27 GMT

Curious... it has been 5 months since I opened this card and am eager for a CLI. I did the "request a credit increase" with the 3-5 business days message. Does calling capitol one every result in changing their mind on this? I use the card heavily, paying it off weekly at least. What do you guys think?

Re: Capitol One Quicksilver CLI

Anonymous — Tue, 30 Nov 2021 13:33:01 GMT

@Anonymous wrote:
Curious... it has been 5 months since I opened this card and am eager for a CLI. I did the "request a credit increase" with the 3-5 business days message. Does calling capitol one every result in changing their mind on this? I use the card heavily, paying it off weekly at least. What do you guys think?

The system most probably did at least two HP's so the damage is done. At this point just hope for the best. Calling in right now will not change their minds if they decline you. It is best to just wait for an approval or a denial letter. It can go either way.

Thanks

Mark

Re: Capitol One Quicksilver CLI

Anonymous — Tue, 30 Nov 2021 13:35:00 GMT

Yikes, I always thought they were soft pulls from what I read!

Re: Capitol One Quicksilver CLI

Harvey26 — Tue, 30 Nov 2021 13:37:00 GMT

@Anonymous Capital One does not do any HPs outside of new apps. @Anonymous as former CO Supervisor 3-5 days means pending but usually means that you will probably be declined. Again its only a SP whenever you ask for a CLI with them.

Re: Capitol One Quicksilver CLI

rostrow416 — Wed, 01 Dec 2021 00:31:21 GMT

Capital One only does soft pulls for CLI requests @Anonymous. 3-5 days is probably a decline, try waiting another month or 2.

Re: Capitol One Quicksilver CLI

SUPERSQUID — Tue, 30 Nov 2021 14:17:51 GMT

@Anonymous wrote:
Curious... it has been 5 months since I opened this card and am eager for a CLI. I did the "request a credit increase" with the 3-5 business days message. Does calling capitol one every result in changing their mind on this? I use the card heavily, paying it off weekly at least. What do you guys think?

The first cli is almost a guarantee, further cli's are a mystery. just sit tight and that first one should come automatically.

from what i have read cli's with cap one are sp and apps for new cards are triple hp, all 3 cra's.

Re: Capitol One Quicksilver CLI

SoCalGardener — Tue, 30 Nov 2021 18:43:43 GMT

@Anonymous wrote:
Curious... it has been 5 months since I opened this card and am eager for a CLI. I did the "request a credit increase" with the 3-5 business days message.

Did I read that right? Five MONTHS? Ha ha ha ha ha ha!!! I've had both of my Quicksilver cards for 10-ish YEARS, and never get CLIs. At least you got the 3-5 day message--mine are always outright denials.

But to answer your question, I think what others have said makes sense. Just sit tight for a little bit, let the account age, and you'll probably get an auto-CLI at some point. After that, or if that doesn't occur, you can try again--but please look around the boards to see how awful Cap1 is about CLIs. It's not just me!

Re: Capitol One Quicksilver CLI

bigseegar — Wed, 01 Dec 2021 12:44:18 GMT

If it's your first CLI on the card that comes at 6 months and is automatic and normally very small, esp since it's probably a bucketed card. Typically Cap 1 will only consider CLI every 6 months.

Re: Capitol One Quicksilver CLI

chalupaman — Wed, 01 Dec 2021 19:21:37 GMT

That's usually a decline but they are always SPs. Like others have said, many of these CapOne cards will automatically give you an increase after 5-6 months. Best of luck to you!

Re: Capitol One Quicksilver CLI

1GaDawg85 — Wed, 01 Dec 2021 23:33:43 GMT

@Anonymous wrote:
Curious... it has been 5 months since I opened this card and am eager for a CLI. I did the "request a credit increase" with the 3-5 business days message. Does calling capitol one every result in changing their mind on this? I use the card heavily, paying it off weekly at least. What do you guys think?

card has to be 6 months old before requesting a CLI with CapOne

Re: Capitol One Quicksilver CLI

JtAlmond — Wed, 13 Apr 2022 02:45:10 GMT

I wouldn't be paying it off during the billing cycle. I was denied a CLI on my QS because I wasn't using enough credit. What the deal is when i had only a $1300 card i would charge heavily like at xmas, etc but pay the card off as soon as it posted. C1 apparently likes to see gigh cary over balances before they will consider giving you more credit.

Re: Capitol One Quicksilver CLI

OmarGB9 — Wed, 13 Apr 2022 19:16:30 GMT

@JtAlmond wrote:
I wouldn't be paying it off during the billing cycle. I was denied a CLI on my QS because I wasn't using enough credit. What the deal is when i had only a $1300 card i would charge heavily like at xmas, etc but pay the card off as soon as it posted. C1 apparently likes to see gigh cary over balances before they will consider giving you more credit.

Not true. There are plenty of DPs around of people charging and paying in full without carrying any balances and still get CLIs, albeit not always large ones.