topic Re: CapOne Plat CLI, but not QS -please help!!!! in Credit Card Applications

CapOne Plat CLI, but not QS -please help!!!!

elywilbar — Sat, 28 Jun 2025 02:51:20 GMT

So here’s the deal—I finally graduated both my Capital One Quicksilver and Platinum cards (huge win!), and I was excited to request credit limit increases now that the “secured” tags were gone. I applied for both: the Platinum was approved and bumped up by $1,000, bringing the total limit to $1,200. But the Quicksilver got declined—not because of any missed payments, but because I accidentally entered my banking info incorrectly during the request.
Can this be disputed or corrected? I’d like to reapply with the right info since the denial wasn’t due to creditworthiness.

Any advice please help

Re: CapOne Plat CLI, but not QS -please help!!!!

GZG — Sat, 28 Jun 2025 04:26:54 GMT

@elywilbar wrote:
So here’s the deal—I finally graduated both my Capital One Quicksilver and Platinum cards (huge win!), and I was excited to request credit limit increases now that the “secured” tags were gone. I applied for both: the Platinum was approved and bumped up by $1,000, bringing the total limit to $1,200. But the Quicksilver got declined—not because of any missed payments, but because I accidentally entered my banking info incorrectly during the request.
Can this be disputed or corrected? I’d like to reapply with the right info since the denial wasn’t due to creditworthiness.

Any advice please help

are you saying you have a returned payment? what does 'accidentally entered my banking info incorrectly during the request' mean?

regardless, you can't go back and change it, you can always just submit another CLI request, but the reason the letter gives you should help you understand why you were denied.

Re: CapOne Plat CLI, but not QS -please help!!!!

Jnbmom — Sat, 28 Jun 2025 11:14:13 GMT

Huh? What does your banking info have to do with a CLI?

Re: CapOne Plat CLI, but not QS -please help!!!!

Varsity_Lu — Sat, 28 Jun 2025 11:17:18 GMT

@elywilbar wrote:
So here’s the deal—I finally graduated both my Capital One Quicksilver and Platinum cards (huge win!), and I was excited to request credit limit increases now that the “secured” tags were gone. I applied for both: the Platinum was approved and bumped up by $1,000, bringing the total limit to $1,200. But the Quicksilver got declined—not because of any missed payments, but because I accidentally entered my banking info incorrectly during the request.
Can this be disputed or corrected? I’d like to reapply with the right info since the denial wasn’t due to creditworthiness.

Any advice please help

You can just make another request. It's all automated and it's not going to affect anything but asking again today. Now I don't know if they limit your CLIs to one increase per 90 days across oll cards or if they view CLIs separate. I know if you move credit from card to card it resets the 90 day request time clock on both cards.

Re: CapOne Plat CLI, but not QS -please help!!!!

Varsity_Lu — Sat, 28 Jun 2025 11:20:21 GMT

@Jnbmom wrote:
Huh? What does your banking info have to do with a CLI?

Cap One makes you enter your income and employment info for CLIs. I think that's what she's talking about.

Re: CapOne Plat CLI, but not QS -please help!!!!

Jnbmom — Sat, 28 Jun 2025 11:29:26 GMT

@Varsity_Lu wrote:
@Jnbmom wrote:
Huh? What does your banking info have to do with a CLI?
Cap One makes you enter your income and employment info for CLIs. I think that's what she's talking about.

Maybe, but it threw me with banking information

Re: CapOne Plat CLI, but not QS -please help!!!!

elywilbar — Tue, 01 Jul 2025 00:15:14 GMT

Just to clarify—back in April, when I was making my monthly payment, I accidentally entered the wrong banking information, which caused the payment to be returned. As soon as I realized the mistake, I corrected the account details and submitted a new payment, which went through without any issues.
Now, when I requested a credit limit increase, it was denied due to that returned payment. But the return wasn’t due to insufficient funds or a missed payment—it was simply a data entry error on my part. Is there a way to have this reconsidered, since the reason for the denial doesn’t reflect my actual payment behavior

Re: CapOne Plat CLI, but not QS -please help!!!!

financialfreedom777 — Wed, 02 Jul 2025 00:48:54 GMT

@Varsity_Lu wrote:
@elywilbar wrote:
So here’s the deal—I finally graduated both my Capital One Quicksilver and Platinum cards (huge win!), and I was excited to request credit limit increases now that the “secured” tags were gone. I applied for both: the Platinum was approved and bumped up by $1,000, bringing the total limit to $1,200. But the Quicksilver got declined—not because of any missed payments, but because I accidentally entered my banking info incorrectly during the request.
Can this be disputed or corrected? I’d like to reapply with the right info since the denial wasn’t due to creditworthiness.

Any advice please help
You can just make another request. It's all automated and it's not going to affect anything but asking again today. Now I don't know if they limit your CLIs to one increase per 90 days across oll cards or if they view CLIs separate. I know if you move credit from card to card it resets the 90 day request time clock on both cards.

This is an interesting DP, I received a letter from Cap1 that said they generally don't do CLI earlier than every 6months.

Re: CapOne Plat CLI, but not QS -please help!!!!

nytokyobred79 — Wed, 02 Jul 2025 03:54:27 GMT

@financialfreedom777 wrote:
@Varsity_Lu wrote:
@elywilbar wrote:
So here’s the deal—I finally graduated both my Capital One Quicksilver and Platinum cards (huge win!), and I was excited to request credit limit increases now that the “secured” tags were gone. I applied for both: the Platinum was approved and bumped up by $1,000, bringing the total limit to $1,200. But the Quicksilver got declined—not because of any missed payments, but because I accidentally entered my banking info incorrectly during the request.
Can this be disputed or corrected? I’d like to reapply with the right info since the denial wasn’t due to creditworthiness.

Any advice please help
You can just make another request. It's all automated and it's not going to affect anything but asking again today. Now I don't know if they limit your CLIs to one increase per 90 days across oll cards or if they view CLIs separate. I know if you move credit from card to card it resets the 90 day request time clock on both cards.
This is an interesting DP, I received a letter from Cap1 that said they generally don't do CLI earlier than every 6months.

Generally speaking, that's often the case. But there are cases of individuals getting cli's sooner than 6 months. YMMV

Re: CapOne Plat CLI, but not QS -please help!!!!

Varsity_Lu — Wed, 02 Jul 2025 11:14:42 GMT

@financialfreedom777 wrote:
@Varsity_Lu wrote:

You can just make another request. It's all automated and it's not going to affect anything but asking again today. Now I don't know if they limit your CLIs to one increase per 90 days across oll cards or if they view CLIs separate. I know if you move credit from card to card it resets the 90 day request time clock on both cards.
This is an interesting DP, I received a letter from Cap1 that said they generally don't do CLI earlier than every 6months.

You're right...Cap One is 6 months. I was thinking AmEx. My point is the same, though, just the wrong time frame.