topic Cap 1 cli denial in Credit Card Applications

Cap 1 cli denial

Anonymous — Thu, 29 Oct 2015 23:35:10 GMT

I thought I would see if capb1 would give me a cli on my qs1 account. It was my first cc last November. I show that I am pre-qualified for the Qs visa and venture. I was denied for low usage on the card. I haven't used it since chase and Navy fed approved me for $10k each in August, not to mention I like the 5% from Discover. Cap one is officially in the sock drawer! Oh and even after a year, the have no upgrade offers for me per chat this afternoon!

Re: Cap 1 cli denial

Anonymous — Thu, 29 Oct 2015 23:50:58 GMT

They are a funny bank.My DW and I can't get much. My DW keeps getting shut out by them and her scores are comparable to mine.

Maybe app for the Venture if you have a preapproval. You'll probably get at least $5000. Your other card isn't going to grow.

Re: Cap 1 cli denial

Anonymous — Sat, 31 Oct 2015 00:23:55 GMT

@Anonymous wrote:
I thought I would see if capb1 would give me a cli on my qs1 account. It was my first cc last November. I show that I am pre-qualified for the Qs visa and venture. I was denied for low usage on the card. I haven't used it since chase and Navy fed approved me for $10k each in August, not to mention I like the 5% from Discover. Cap one is officially in the sock drawer! Oh and even after a year, the have no upgrade offers for me per chat this afternoon!

Sorry about the denial. CAP 1 likes to see usage-

Re: Cap 1 cli denial

Anonymous — Sat, 31 Oct 2015 00:27:21 GMT

Sorry to hear. Use it daily for everyday purchases and in place of a debit card, and Capital One will reward that usage.

Re: Cap 1 cli denial

jeffm4688 — Sat, 31 Oct 2015 01:31:04 GMT

Same issue I'm having, sticking mine in the safe. The only difference is I would use 80% of my CL and PIF before statement cut up until this month.

Re: Cap 1 cli denial

Anonymous — Sat, 31 Oct 2015 04:57:04 GMT

yeah its true cap1 likes to see usage lol One of my card was very close to maxing out then poof they increased the limit even after a week before they increased after the steps hahaha.

Re: Cap 1 cli denial

OmarGB9 — Sat, 31 Oct 2015 05:44:17 GMT

How can you expect a CLI if you hardly use their card? What incentive would there be for them? Definitely agree with everyone else that they like to see usage.

Re: Cap 1 cli denial

Anonymous — Sat, 31 Oct 2015 10:11:27 GMT

@Anonymous wrote:
I thought I would see if capb1 would give me a cli on my qs1 account. It was my first cc last November. I show that I am pre-qualified for the Qs visa and venture. I was denied for low usage on the card. I haven't used it since chase and Navy fed approved me for $10k each in August, not to mention I like the 5% from Discover. Cap one is officially in the sock drawer! Oh and even after a year, the have no upgrade offers for me per chat this afternoon!

Sorry to hear about about your the denial for a CLI with Cap1. For an CLI they definitely need to see commitment to their product, regular usage and multiple larger payments per month. I too am seeing a difference in them since I have diversified. It's interesting though, while they may deny or give a low CLI, they are generous when apping for new cc. With your scores, you are bound to get a high starting limit!! The last CLI was 1000.00 (the lowest they ever gave me), but within a week, apped for Venture and received a 15K SL. I will always luv Cap One, but they are sensitive, lol!

Re: Cap 1 cli denial

taxi818 — Sat, 31 Oct 2015 11:43:08 GMT

@Anonymous wrote:
@Anonymous wrote:
I thought I would see if capb1 would give me a cli on my qs1 account. It was my first cc last November. I show that I am pre-qualified for the Qs visa and venture. I was denied for low usage on the card. I haven't used it since chase and Navy fed approved me for $10k each in August, not to mention I like the 5% from Discover. Cap one is officially in the sock drawer! Oh and even after a year, the have no upgrade offers for me per chat this afternoon!
Sorry about the denial. CAP 1 likes to see usage-