topic Re: CapitalOne declined CLI in Credit Cards

CapitalOne declined CLI

xnxo — Wed, 17 Dec 2014 19:55:52 GMT

I recently had my BOA Cash Rewards CLI from $500 to $1.9K and apped for the AMEX BCE approved for $7.5K. I tried to get a CLI on my Capital One card from $400 they declined my request! My account is ineligible right now and they are evaluating account activity at assigned credit limits. Any suggestions for my next steps? This is my oldest card and my first! No auto CLI ever. Should I just close this account? No rewards and it has an AF of $39/yr. I just don't want it to hurt my AAoA.

***** UPDATE******

I contacted the EO, PC to the Quicksilver Rewards Card and removed my AF completely. Another CLI request was made and she asked me a few questions regarding income, home value, etc. Asked for a $5k increase agreed to accept partial. This is a SP so no harm in that. Should get a response within 7-10 days.

Thanks everyone for the input! I would have never figured this out on my own.

Re: CapitalOne declined CLI

MT936 — Wed, 17 Dec 2014 04:01:58 GMT

If it is costing you a annual fee and gives no benefits to you cancel it ASAP it won't affect your AAoA until after 10 years. It is better to close it now rather than later I would try to see if you could pc it to a non annual fee card first

Re: CapitalOne declined CLI

xnxo — Wed, 17 Dec 2014 04:06:39 GMT

@MT936 wrote:
If it is costing you a annual fee and gives no benefits to you cancel it ASAP it won't affect your AAoA until after 10 years. It is better to close it now rather than later I would try to see if you could pc it to a non annual fee card first

Thanks! I really hate the card. I was more worried about my AAoA more than anything since it has the most history. Do you have any suggestions about who to contact about PC with capital one? Just call the back of card?

Re: CapitalOne declined CLI

Anonymous — Wed, 17 Dec 2014 04:06:58 GMT

Hey dude. Try calling Capital One's EO and see if you can talk them into getting a CLI. If not, ask them to see what you can PC to. Best of luck man.

Re: CapitalOne declined CLI

Anomalous — Wed, 17 Dec 2014 04:46:24 GMT

@Anonymous wrote:
Hey dude. Try calling Capital One's EO and see if you can talk them into getting a CLI. If not, ask them to see what you can PC to. Best of luck man.

Re: CapitalOne declined CLI

xnxo — Wed, 17 Dec 2014 15:31:02 GMT

@Anonymous wrote:
Hey dude. Try calling Capital One's EO and see if you can talk them into getting a CLI. If not, ask them to see what you can PC to. Best of luck man.

You wouldn't happen to have their number or email do you?

Re: CapitalOne declined CLI

Anonymous — Wed, 17 Dec 2014 16:55:22 GMT

You should be able to PC that to a no annual fee quicksilver . Email the EO about it and they'll call you within 10 days .

Re: CapitalOne declined CLI

xnxo — Wed, 17 Dec 2014 16:57:22 GMT

@Anonymous wrote:
You should be able to PC that to a no annual fee quicksilver . Email the EO about it and they'll call you within 10 days .

Do you know of an email?

Thanks!

Re: CapitalOne declined CLI

SpaceInvader — Wed, 17 Dec 2014 17:22:19 GMT

Honestly just post a message on their facebook page and they will get in touch with you or look the email address of their CEO from their website and someone will get in touch with you.

Re: CapitalOne declined CLI

taxi818 — Wed, 17 Dec 2014 17:31:14 GMT

Just log into your online account. And click chat. They will help. I changed mine to no AF quicksilver. Plus got cli.

Re: CapitalOne declined CLI

MaisCher — Wed, 17 Dec 2014 17:44:15 GMT

@Anonymous wrote:
I recently had my BOA Cash Rewards CLI from $500 to $1.9K and apped for the AMEX BCE approved for $7.5K. I tried to get a CLI on my Capital One card from $400 they declined my request! My account is ineligible right now and they are evaluating account activity at assigned credit limits. Any suggestions for my next steps? This is my oldest card and my first! No auto CLI ever. Should I just close this account? No rewards and it has an AF of $39/yr. I just don't want it to hurt my AAoA.

Sidebar: You were approved for the AMEX BCE with a 663 EX? Do you have any baddies?

Re: CapitalOne declined CLI

xnxo — Wed, 17 Dec 2014 17:54:10 GMT

@MaisCher wrote:
@Anonymous wrote:
I recently had my BOA Cash Rewards CLI from $500 to $1.9K and apped for the AMEX BCE approved for $7.5K. I tried to get a CLI on my Capital One card from $400 they declined my request! My account is ineligible right now and they are evaluating account activity at assigned credit limits. Any suggestions for my next steps? This is my oldest card and my first! No auto CLI ever. Should I just close this account? No rewards and it has an AF of $39/yr. I just don't want it to hurt my AAoA.
Sidebar: You were approved for the AMEX BCE with a 663 EX? Do you have any baddies?

My EX score in my signature is an old score. Hopefully I will get my current score when my card comes in. No baddies that I know of. I haven't pulled my score/report since that date and I don't believe I have any inquiries on it either. I haven't apped for a card since mid 2013. I saw my TU score on creditkarma was 750 I figured I would try for the BCE.

Re: CapitalOne declined CLI

Anonymous — Wed, 17 Dec 2014 20:54:21 GMT

@Anonymous wrote:
@Anonymous wrote:
Hey dude. Try calling Capital One's EO and see if you can talk them into getting a CLI. If not, ask them to see what you can PC to. Best of luck man.
You wouldn't happen to have their number or email do you?

Sorry for the late response dude. I just PMed it to you.

Hopefully what you were doing in the meantime worked. If not, I hope talking to them works. Godspeed.

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Congrats on the successful PC!