topic Capital One CLI in Credit Cards

Capital One CLI

Anonymous — Mon, 08 Dec 2008 21:43:54 GMT

My wife's Cap 1 card has a CL of $300 and her third statement will cut in about 10 days, kicking in the first level of Credit Steps. I have read of other people calling in and asking for a CLI before this happens to get an extra CLI. Right now the account has a $3 balance (will become due after the statement cuts). Should we pay that before calling to ask for a CLI, or ask with the balance still there? Thanks!

Re: Capital One CLI

score_building — Mon, 08 Dec 2008 21:53:09 GMT

your uti is 1% so $3 is inconsequential either way. just ask. at worst they'll say no but they will probably say yes. congrats on the upcoming credit steps too!

Re: Capital One CLI

Anonymous — Mon, 08 Dec 2008 21:54:57 GMT

I asked for a CLI about 6 weeks ago (and was declined letter in the mail said account was too new). Will that affect anything now?

Re: Capital One CLI

score_building — Mon, 08 Dec 2008 22:12:10 GMT

your recent denial of a cli should not affect your wife's account or her cli request in any way.

Re: Capital One CLI SUCCESS!

Anonymous — Mon, 08 Dec 2008 22:14:14 GMT

SUCCESS! I just called and they increased the CL $300 from $300 to $600! If/when Credit Steps kicks in, it should go to $800!

Re: Capital One CLI

Anonymous — Mon, 08 Dec 2008 22:19:22 GMT

@score_building wrote:
your recent denial of a cli should not affect your wife's account or her cli request in any way.

It's the same account, but it obviously did not have any affect.

Message Edited by Mike14 on 12-08-2008 05:19 PM

Re: Capital One CLI

score_building — Mon, 08 Dec 2008 22:30:18 GMT

great news, congrats!!

Re: Capital One CLI

ralbusta — Tue, 09 Dec 2008 00:39:49 GMT

Congrats!

I'd be suprised if you didn't get a bump up to $1100 instead of $800.

Good work!

Re: Capital One CLI SUCCESS!

Anonymous — Tue, 09 Dec 2008 00:53:13 GMT

i got bumped to 1100 now 1400...

Re: Capital One CLI

Anonymous — Sun, 18 Jan 2009 20:08:49 GMT

Credit Steps CLI bumped us to $750. Only $150, but it's still a CLI! Next Credit Steps CLI should be in 4 months. Call after 3 to request one?

Re: Capital One CLI

laz98 — Tue, 20 Jan 2009 06:27:13 GMT

i got the same result, only a $150 CLI. guess they caught on to people's trick of calling in to get more $$$. oh well. i will try again in march or so.

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 00:02:22 GMT

Mike14 when did your statement cut and how soon from that date did you see the auto CLI?

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 00:15:08 GMT

Statement cuts on the 17th. I noticed the CLI on the 18th. However, my credit reports still have the old limit, so the CLI came after they reported.

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 00:22:49 GMT

Thanks for the info. Mine cut on the 17th also but I haven't gotten my auto CLI-was supposed to be on this statement.

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 00:27:01 GMT

This was the third statement; the CLI wasn't on it, it will be on the next one.

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 01:21:22 GMT

this was my 4th- credit steps letter stated on the 4th & 7th statements, no over limits, paid on time, and an early cli.. has me very nervous

Re: Capital One CLI

laryn41 — Wed, 21 Jan 2009 15:03:35 GMT

I had credit line increase before the credit steps took effect...then they wouldn't give me another one. Saying I already got my increase. I have another credit card with them as well and my accounts are totally in great standing. So I don't know if the early increases take the credit steps increase away.

Re: Capital One CLI

Anonymous — Wed, 21 Jan 2009 15:11:07 GMT

Thats what I am starting to wonder myself-if they are still giving the auto CLI if you have called in and gotten an early CLI. I know they pulled a soft pull on me last month.

Re: Capital One CLI

Anonymous — Thu, 22 Jan 2009 02:27:06 GMT

@Anonymous wrote:
Statement cuts on the 17th. I noticed the CLI on the 18th. However, my credit reports still have the old limit, so the CLI came after they reported.

Actually, I see from my TotalCreditCheck report that EX has the new limit, so in fact they gave me the CLI before they reported. Actually, I see a few accounts that have updated for EX that haven't for EQ and TU.

I just wish CCT had the report date, like TC did! I sometimes still refer back to my old TC reports to see what dates accounts updated on.

Message Edited by Mike14 on 01-21-2009 09:27 PM