topic Cap one luv button bs in Credit Cards

Cap one luv button bs

degs138 — Sun, 21 Feb 2016 00:36:04 GMT

I'm wondering if anyone knows what score model cap one uses. I got my fico 08 in January 2 times. It was 721 and 724. Cap one love button denied me a CLI starting my score is not high enough. Says my score pulled on 1-5-16 was 646. How is this possible?

Re: Cap one luv button bs

gdale6 — Sun, 21 Feb 2016 00:37:20 GMT

They still use Fico 04

Re: Cap one luv button bs

noobody — Sun, 21 Feb 2016 01:00:38 GMT

when i push love button while i have low utility on their cards, they decline me for not use enough current credit line. when i have high utility, they said i do not make large enough payment towards balance.

Re: Cap one luv button bs

degs138 — Sun, 21 Feb 2016 01:03:29 GMT

I think I'll cancel paperless and start hitting the button daily.

Re: Cap one luv button bs

pipeguy — Sun, 21 Feb 2016 01:06:09 GMT

@noobody wrote:
when i push love button while i have low utility on their cards, they decline me for not use enough current credit line. when i have high utility, they said i do not make large enough payment towards balance.

+1 Exactly why my Venture and QS will both be closed during my next round of thinning the herd. Even Barclays doesn't give me the BS that Cap-1 does and I actually bank with Cap-1 (in addition to DCU) so they know or could know, exactly how much cash I have in and run through my accounts - there is NO excuse in my book for the BS I get from Cap-1. (note I used to be one of their biggest defenders, not anymore).

Re: Cap one luv button bs

red259 — Sun, 21 Feb 2016 03:21:05 GMT

If you get a CLI via cap 1 luv button does the system deny you for the next six months or you can get another one at any time?

Re: Cap one luv button bs

CreditCuriosity — Sun, 21 Feb 2016 03:26:17 GMT

@red259 wrote:
If you get a CLI via cap 1 luv button does the system deny you for the next six months or you can get another one at any time?

Only can get one every 6 months

Re: Cap one luv button bs

FinStar — Sun, 21 Feb 2016 03:27:02 GMT

@red259 wrote:
If you get a CLI via cap 1 luv button does the system deny you for the next six months or you can get another one at any time?

IIRC, if the CLI gets approved then you would have to wait 6 months. From what I've read, if you try again within that period it will likely auto-decline and you'll get a letter that states you've been recently granted a CLI in the last 6 months.

Re: Cap one luv button bs

jbishop1001 — Sun, 21 Feb 2016 03:56:13 GMT

@gdale6 wrote:
They still use Fico 04

REALLY???

!!!!!!!!!!

Re: Cap one luv button bs

bk510 — Sun, 21 Feb 2016 15:52:27 GMT

@degs138 wrote:
I'm wondering if anyone knows what score model cap one uses. I got my fico 08 in January 2 times. It was 721 and 724. Cap one love button denied me a CLI starting my score is not high enough. Says my score pulled on 1-5-16 was 646. How is this possible?

I don't know what model they use but the letter I received says my score is 692 out of ( 250 - 850 scoring system ). what ever that means....

Re: Cap one luv button bs

bk510 — Sun, 21 Feb 2016 16:00:08 GMT

@red259 wrote:
If you get a CLI via cap 1 luv button does the system deny you for the next six months or you can get another one at any time?

At 1 point I had gotton a auto love of 400 on my Sony Visa and 4 months go by I hit the love button and denied. After 1 week I hit it again and got a 3K bump.

Maybe it was because it's a co branded I don't know. However my experience with regular Cap1 cards has been 6 months in between the bump.

Interesting that my Sony limit now is 5.65K.....And I've not seen any1 with over 5K on Sony......Just sayin'

Re: Cap one luv button bs

degs138 — Sun, 21 Feb 2016 17:41:40 GMT

I got a 2k bump 12 months ago, nothing since. I'm not really using them anymore. CSP, AMEX and discover are primary cards

Re: Cap one luv button bs

shmacckk — Sun, 21 Feb 2016 20:59:28 GMT

My sony card is at 10k but that was what it was approved at.

Re: Cap one luv button bs

UncleB — Sun, 21 Feb 2016 23:32:08 GMT

As a data point, I hit the button back in December for each of my Quicksilver cards, and I got an additional $1k on each of them. My last CLI on the Quicksilver Visa was $2k, but that was after substantial usage (and PIF).

I had very little usage on the Quicksilver MasterCard, and spent July-October paying off a $3k 0% balance on the Quicksilver Visa, but no new usage. During the time I put the charges on the Visa, I was granted a $2k CLI, even though I wasn't PIF (again, due to the 0% promo).

I'm not sure exactly how they reason who gets a CLI (and how much), but I know they factor stuff in other than score.

Re: Cap one luv button bs

boober — Mon, 22 Feb 2016 04:05:46 GMT

Cap 1 seriously needs to get their $4!+ together!!!

Between the BS about whom and why they give out CLIs to and the whole account combination fiasco, they're just not worth the hassle of dealing with.

Too many aggravations and not anywhere near worth the effort.

I'm kind of amazed Sam L Jackson does commercials for them. He seems like such a stand up guy!!!

Re: Cap one luv button bs

bk510 — Mon, 22 Feb 2016 18:23:42 GMT

@UncleB wrote:
As a data point, I hit the button back in December for each of my Quicksilver cards, and I got an additional $1k on each of them. My last CLI on the Quicksilver Visa was $2k, but that was after substantial usage (and PIF).

I had very little usage on the Quicksilver MasterCard, and spent July-October paying off a $3k 0% balance on the Quicksilver Visa, but no new usage. During the time I put the charges on the Visa, I was granted a $2k CLI, even though I wasn't PIF (again, due to the 0% promo).

I'm not sure exactly how they reason who gets a CLI (and how much), but I know they factor stuff in other than score.

Hey UncleB, I was able to combine venture over to QS as well....... super happy

Re: Cap one luv button bs

bk510 — Mon, 22 Feb 2016 18:27:06 GMT

@shmacckk wrote:
My sony card is at 10k but that was what it was approved at.

Cool........congrats,

BTW, just received an email on Sony Visa's chip registered card with new design.

Really digging the new look.....

Re: Cap one luv button bs

Anonymous — Mon, 22 Feb 2016 20:05:51 GMT

same here i had been requesting a cli on my quicklsilver for almost a year. this past month i charged everything i could to it, bringing the balance up to about 4k then payed about 3k of it when the statement cut. requested the cli and got a 2k increase. So ive noticed with cap one they wanna see high usage and large payments, in my experience

Re: Cap one luv button bs

boober — Tue, 23 Feb 2016 01:13:06 GMT

@Anonymous wrote:
same here i had been requesting a cli on my quicklsilver for almost a year. this past month i charged everything i could to it, bringing the balance up to about 4k then payed about 3k of it when the statement cut. requested the cli and got a 2k increase. So ive noticed with cap one they wanna see high usage and large payments, in my experience

Funny, I did pretty much almost the exact same thing maybe 6 weeks ago or so. I did a BT to my QS of about $4800, which almost maxed it out as it's got a 5k limit.

Paid it all off about a month later. Tried for a CLI. Got my usual message about the card not getting enough usage or whatever it was. Before that though I'd only been putting a few hundred a month on it.

The card itself is only about 8 months old though. But I do recall seeing others get CLIs in less time.

Re: Cap one luv button bs

Anonymous — Tue, 23 Feb 2016 01:42:52 GMT

Where exactly is this highly sought after luv button? All I see is "Ask For Credit Increase" under more options, and then you have to fill out info. I don't see a button.