topic Re: Capital One CLI in Credit Card Applications

Capital One CLI

hoosier64 — Sun, 31 Mar 2024 01:43:49 GMT

Just got an automatic CLI for Capital One from $1,000 to $5,000. I asked for a CLI back in January but was rejected with not enough usage as the reason. I thought my card may have been bucketed since it was my first card out of bankruptcy. No changes in credit scores since January, and I still haven't used the card much (~$100-$200 a month paid in full before the statement posts). Sharing in case anyone else is looking to get a CLI from Capital One. They may be easing up on handing out CLI's.

Re: Capital One CLI

keekers — Sun, 31 Mar 2024 02:01:35 GMT

Congrats.

Re: Capital One CLI

bytechma — Sun, 31 Mar 2024 02:36:13 GMT

@hoosier64 wrote:
Just got an automatic CLI for Capital One from $1,000 to $5,000. I asked for a CLI back in January but was rejected with not enough usage as the reason. I thought my card may have been bucketed since it was my first card out of bankruptcy. No changes in credit scores since January, and I still haven't used the card much (~$100-$200 a month paid in full before the statement posts). Sharing in case anyone else is looking to get a CLI from Capital One. They may be easing up on handing out CLI's.

Congrats on the approval! That is amazing. I applied for CLI on my Quick Silver One while having it for 10 months but declined me (and also asked for a product change but the rep said I had no offers for a product change). But instead they gave me a preaaproval for a Savor One and was approved for $2,000. Makes me think that I will not be able to product change or get a CLI on this quick silver that has a $39 annual fee not secured.

Re: Capital One CLI

citymunky — Sun, 31 Mar 2024 13:00:25 GMT

@hoosier64 wrote:
Just got an automatic CLI for Capital One from $1,000 to $5,000. I asked for a CLI back in January but was rejected with not enough usage as the reason. I thought my card may have been bucketed since it was my first card out of bankruptcy. No changes in credit scores since January, and I still haven't used the card much (~$100-$200 a month paid in full before the statement posts). Sharing in case anyone else is looking to get a CLI from Capital One. They may be easing up on handing out CLI's.

Wow, that is very larger CLI for Cap1. Which card was it?

Re: Capital One CLI

hoosier64 — Sun, 31 Mar 2024 17:25:38 GMT

It's the Capital One Quicksilver (no annual fee).

Re: Capital One CLI

CorpCrMgr1 — Mon, 01 Apr 2024 00:48:07 GMT

Congratulations on your CLI!

Re: Capital One CLI

Anonymalous — Mon, 01 Apr 2024 03:13:05 GMT

@hoosier64 wrote:
Just got an automatic CLI for Capital One from $1,000 to $5,000. I asked for a CLI back in January but was rejected with not enough usage as the reason. I thought my card may have been bucketed since it was my first card out of bankruptcy. No changes in credit scores since January, and I still haven't used the card much (~$100-$200 a month paid in full before the statement posts). Sharing in case anyone else is looking to get a CLI from Capital One. They may be easing up on handing out CLI's.

Congrats! A bunch of people got similar increases from Cap1 about a year ago, maybe it's back.

Re: Capital One CLI

sillysilky — Mon, 01 Apr 2024 16:41:12 GMT

Congrats! They also said I don't use the QS enough, so I've jacked up the usage since then.

I plan on asking in 6 months for a CLI, hopefully they'll approve the next time around.

Re: Capital One CLI

Iusedtolurk — Fri, 03 May 2024 09:54:19 GMT

@hoosier64 wrote:
Just got an automatic CLI for Capital One from $1,000 to $5,000. I asked for a CLI back in January but was rejected with not enough usage as the reason. I thought my card may have been bucketed since it was my first card out of bankruptcy. No changes in credit scores since January, and I still haven't used the card much (~$100-$200 a month paid in full before the statement posts). Sharing in case anyone else is looking to get a CLI from Capital One. They may be easing up on handing out CLI's.

Congrats on your CLI!

I have been waiting and tried many times to get a CLI on my over 6 yr old Cap1 card since 2018. It started 400 and 6 months later got a CLI to 700.

Still sits at 700 today. I have tried everything with it.

I think my Bucket is located somewhere beneath the Center of the Earth smh.

Re: Capital One CLI

cabledude27 — Mon, 06 May 2024 15:52:58 GMT

Congrats! I was originally approved for $500 in May 2023; I've tried repeatedly for a CLI and finally just got $100 in Feb 2024 with them after months of using it for $100-200, PIF, and requesting CLI.

They were my second approved card (after Apple Card) CH 13 BK discharged, and they are unwavering. Any requests since Feb 24 have been met with "you recently got a CLI." Prior declines were accounts too new and payments returned (I was stupid and used the wrong bank info to make a payment once, but I literally have PIF early every month, and after this returned payment, I actually paid the larger balance in full).

I get they're a bank, and likely the BK on my CR still is causing it, but they are starting to leave a bad taste in my mouth where I'll keep this card and never use it again.

Re: Capital One CLI

Zoostation1 — Tue, 07 May 2024 04:54:21 GMT

Congrats on the nice CLI!

Re: Capital One CLI

Zoostation1 — Tue, 07 May 2024 04:59:59 GMT

@cabledude27There's a good chance it's bucketed if it it started at $500 (and may not be directly related to the BK). I've got some cards with them that are bucketed and others that are not (along with a BK7 that'll be on for another 3.5yrs). They've been generous with me lately on new approvals, but I've given them a majority of my spend. My QS on the other handw hich was my first unsecured card in my rebuild is bucketed.

Re: Capital One CLI

cabledude27 — Tue, 07 May 2024 12:59:05 GMT

It's crazy. I've paid everything in full for all my cards, making 100% on-time payments. The ONLY negatives on my credit are the fact that my Ch 13 is still listed and will be until April 2025, and I have obtained new credit (I got a car and 5 accounts since my BK discharge last March to start building credit). These guys are ridiculous. Now, when I use the prescreen, it tells me all they would approve me for are secured cards. With all the hassle and a $500 line, I only put $100-150 a week for our date night Friday dinners, but honestly, I'm thinking of dumping this card in a drawer and just not dealing with them anymore.

Re: Capital One CLI

Anonymalous — Tue, 07 May 2024 16:04:51 GMT

@cabledude27 wrote:
With all the hassle and a $500 line, I only put $100-150 a week for our date night Friday dinners, but honestly, I'm thinking of dumping this card in a drawer and just not dealing with them anymore.

If you're getting frustrated, that sounds like a good idea.

Re: Capital One CLI

AzCreditGuy — Fri, 10 May 2024 03:30:59 GMT

They are not easing with CLI, took me 9yrs and 5 months to get $14.4k CL.....Others its has taken me 2 yrs to get $20K My BofA is $79k