topic Re: Cap One CLI Frequency in Credit Card Applications

Cap One CLI Frequency

awal — Tue, 11 Mar 2014 14:27:28 GMT

Does anyone know how often you request a CLI with Cap One? I was denied for having a recent CLI - even with perfect repayment and running about 6k thorugh in 4 months.

Re: Cap One CLI Frequency

Shock — Tue, 11 Mar 2014 14:42:02 GMT

every 6 months. But I would contact the EO thru Facebook and let them know your situation. Tell them you're unsatisfied with your credit limit an they will forward you to the EO and they will call you. It will be a softpull and will go directly to underwriters for manual review. A much better shot at approval.

Re: Cap One CLI Frequency

Shock — Tue, 11 Mar 2014 15:10:58 GMT

and FWIW, they upgraded me to Quicksilver and gave me a CLI from 500 to 1000 last August. In November, I did the FB thing and got it up to 1500, same in January and its now at 3k. Living proof that the EO does wonders, and that 6 months is not necessary.

Re: Cap One CLI Frequency

Drew — Tue, 11 Mar 2014 15:04:56 GMT

@Shock wrote:
every 6 months. But I would contact the EO thru Facebook and let them know your situation. Tell them you're unsatisfied with your credit limit an they will forward you to the EO and they will call you. It will be a softpull and will go directly to underwriters for manual review. A much better shot at approval.

Re: Cap One CLI Frequency

Jlu — Tue, 11 Mar 2014 16:38:40 GMT

Will update this thread. Last year got the Platinum Mastercard (originally steps program) CLI from $750 --> $2000 via EO. Last week got a PC to Quicksilver via FB. Today requested CLI from $2000 --> $5000 via EO. Will know within 48 hours.

EDIT: Plus it was a SP CLI request!

Re: Cap One CLI Frequency

slund5499 — Sat, 06 Dec 2014 04:12:32 GMT

Can you provide the EO facebook link through PM.

I have never done this and would like to know how it is done through facebook?

Thanks

Re: Cap One CLI Frequency

ways2go — Sat, 06 Dec 2014 05:23:24 GMT

Cap One likes to see alot of usage on their card for cli. I hit the luv button and got denied for a cli because I don't use it much. I moved onto other cards. I tend to carry a balance and my cap one is at 22.9%. It was my first card after going BK7 in 1989 and paying cash for everything until about 2 and a half years ago and got back into the credit card game. Boy did I get back into it.

Re: Cap One CLI Frequency

Anonymous — Sat, 06 Dec 2014 08:46:17 GMT

@ways2go wrote:
Cap One likes to see alot of usage on their card for cli. I hit the luv button and got denied for a cli because I don't use it much.

That sounds more like your personal YMMV experience. I had this card for 3 years straight and just this week they doubled my CL from a little over $2k to a little over $4k. The funny thing is I almost never used it anymore because of the low CL! How am I supposed to effectively MS with a CC on such a low limit? Now the 4 grands looks a little better and I might look into avenues (or at least alleys) to utilize it again.

Re: Cap One CLI Frequency

Kenny — Sat, 06 Dec 2014 11:46:44 GMT

@slund5499 wrote:
Can you provide the EO facebook link through PM.

I have never done this and would like to know how it is done through facebook?

Thanks

You literally just message Capital One in Facebook.

Re: Cap One CLI Frequency

Anonymous — Fri, 23 Jan 2015 18:57:12 GMT

OR YOU COULD JUST EMAIL OR WRITE HIM - IT WORKED FOR FOR LATE PAYMENT REMOVALS AND CLI-

Cap 1 EO Contact Info

Mr. Richard D. Fairbank President & CEO

Capital One Financial Corp 1680 Capital One Drive McLean, VA 22102

Re: Cap One CLI Frequency

1GaDawg85 — Fri, 23 Jan 2015 18:59:04 GMT

I know a lot of people say email the CEO but I am finding FaceBook to be easier and quicker....usually the same day versus a week or more for the CEO email to be read

Re: Cap One CLI Frequency

Anonymous — Fri, 23 Jan 2015 20:10:44 GMT

just call EO number, backdoor numberS

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

Re: Cap One CLI Frequency

kdm31091 — Fri, 23 Jan 2015 22:17:09 GMT

I dunno, when I contacted them on Facebook they weren't helpful, saying the standard 6-month-before-CLI policy applied. On the phone, it was instantly overridden.

Re: Cap One CLI Frequency

Reighn9 — Sat, 24 Jan 2015 21:08:06 GMT

Never had much luck with Capital One. I have CLIs denied after the EO says the card is eligible, should be approved. EO told me one card is never eligible for a CLI. A year ago I wanted to transfer my Capital One balance to another card and customer service told me there would be a 5% transfer fee and 24.99% interest on the balance. I paid off one card earlier this month and the statement cut today with interst charges instead of a zero balance. Capital One does a lot to make me not want to use their low limit cards.