topic Captial One QS one CLI in Credit Cards

Captial One QS one CLI

Bmn5940 — Mon, 06 Feb 2017 07:27:55 GMT

Hi everyone,
So I got the captial one quicksilver one as my first card in June of 2016 since then I've been doing great with it and received an automatic increase from my SL of $300 to $2300 right at the six month mark with credit steps. I just was on vacation and racked up 2k on the card and paid half off immediately and just paid it to 0, 2 weeks ago. I really like the cashback on this card and wanted to know if I should apply for a CLI? I've only gotten one Increase on the card that was in last December of 2016 when it went from 300-2300. What are my chances of an increase?

Re: Captial One QS one CLI

rmduhon — Mon, 06 Feb 2017 12:11:17 GMT

Nil. Cap1 has a strict 6 month CLI rule. You'll be able to get one (if Cap1 approves it) in May/June. Count 181 days from your last increase to be sure.

Re: Captial One QS one CLI

MyLoFICO — Mon, 06 Feb 2017 13:28:49 GMT

You can ask forn a CLI anytime. they won't do anything until the 6 month mark. But, its a SP so asking won't hurt.

Re: Captial One QS one CLI

Anonymous — Mon, 06 Feb 2017 17:14:53 GMT

i just learned the hard way. recieved my steps increase in nov i recently tried last week and was denied

Re: Captial One QS one CLI

ccpat — Mon, 06 Feb 2017 17:23:59 GMT

Is there any way to know what date you received the last increase. Can you see this by logging in? I think mine was about 5 months ago but I didn't track it.

Re: Captial One QS one CLI

MyLoFICO — Mon, 06 Feb 2017 17:54:26 GMT

I have been looking for that feature for some time and not found a way to tell. Go by the statements and you should be able to get it within a few weeks i would think. I apply everytime I make a payment. No hit no harm according to C1.

Re: Captial One QS one CLI

ccpat — Mon, 06 Feb 2017 17:56:48 GMT

Great advice. Thanks - I will.

Re: Captial One QS one CLI

Anonymous — Mon, 06 Feb 2017 18:56:15 GMT

I chatted with them and they gave me the exact date of my last increase. Chat rep then advised me to wait 6 months from that date to request another increase.

Re: Captial One QS one CLI

Bmn5940 — Mon, 06 Feb 2017 19:06:10 GMT

I'll find my exact date and then wait the 181 days thanks everyone!

Re: Captial One QS one CLI

Anonymous — Mon, 06 Feb 2017 20:08:36 GMT

you should have a 'Document' that will have the date on it. Look at statements and Doc will be there in a drop-down

Re: Captial One QS one CLI

ccpat — Thu, 09 Feb 2017 15:06:19 GMT

I typically get an increase every 6 months. If the 6 month increase is denied at 181 days should I keep trying.....185, 190 days, etc? Is there any harm hitting the increase button?

Re: Captial One QS one CLI

Anonymous — Thu, 09 Feb 2017 15:58:33 GMT

None at all; Cap1 cli request are all SPs

Re: Captial One QS one CLI

ccpat — Thu, 09 Feb 2017 21:24:36 GMT

So I finally got a response. "Your average monthly payment has been too low". Hadn't seen that one before. Obviously Cap One is not happy that they are not my priority card. I don't charge alot so I don't need to pay much. What should I do to undo this and get my next increase? How long will it take?

Re: Captial One QS one CLI

Scupra — Thu, 09 Feb 2017 21:30:54 GMT

Start using the card and making payments. If you do that I would ask fo a CLI after the next statement.