topic Re: CapitalOne Walmart CLI issues in Credit Cards

CapitalOne Walmart CLI issues

totallymytravis — Sat, 01 Aug 2020 20:43:16 GMT

So I've had this Walmart rewards card since March and have always PIF never carried a balance. I ha e two other capital one cards in good standing both with about 30% utilization and $3500 credit lines. My Walmart card has a small $500 limit which literally makes it hard to accumulate rewards. I do all my grocery shopping there a pick up order each week around $200 dollars for a family of 4. The issue is I pay the card every 2 weeks so I don't run up the limit but still if the payment is processing for example week 3 I'm getting orders denied due to not enough credit. I'll pay using the debit card option in a bind and sometimes that doesn't work if pending payments outstrip the current balance amount! I've requested numerous CLIs to no avail. Using the online tool. Has anyone had success with calling? When I did they said they can't do anything the online request can't do - it's the same response. This $500 limit is insane! It's my lowest limit CC.

FYI my credit file is pretty solid not stellar but decent - 680 across all 3 - overall less than 30% UTL. CH7 BK discharged 4 years ago.

Re: CapitalOne Walmart CLI issues

RootDet — Sat, 01 Aug 2020 22:28:13 GMT

You need 6 months before your eligible for cli. My count says you are short.

Re: CapitalOne Walmart CLI issues

BetterMoves — Sat, 01 Aug 2020 23:44:58 GMT

I agree with RootDet.

Do you receive letters with the specific reasons for the denials?

Re: CapitalOne Walmart CLI issues

MI-Aviator — Sun, 02 Aug 2020 01:17:56 GMT

I've had it since October with the same CL and same issue. Literally only use it at Walmart. I tried at the 6 month mark to no avail. I've got 2 collections being deleted this month. I'm going to try after those are removed and see if there's any luck. I'll update on here regardless the outcome.

Re: CapitalOne Walmart CLI issues

Anonymous — Sun, 02 Aug 2020 01:36:03 GMT

You may need to make weekly payments. Then it would be a matter of waiting and improving other elements of your profile.

You're not even at 5 months, so it's not entirely surprising. I'd reduce the balances on the other accounts. 30% utilization isn't bad if it's paid down significantly or in full. 30% and small payments would make any bank less likely to approve a CLI. Put yourself in their shoes, "they're not paying off the other cards so why would we risk more on this one."

Re: CapitalOne Walmart CLI issues

Anonymous — Sun, 02 Aug 2020 10:45:57 GMT

Everyone has been hard pressed to get any cli ln this card from capital one a few of us have gotten the wonderful "100$" increase out of them, I believe they are treating it like a bucketed card IMO I gave up on it

Re: CapitalOne Walmart CLI issues

FidensPR — Sun, 02 Aug 2020 18:55:01 GMT

I had this card with Sync since January 2019, $200 limit. At that moment my scores were mid 600s. When Cap 1 acquired this card on October 2019 if I remember correctly, they gave me a CLI to $680. I requested a CLI on April 2020, it was denied with the following reasons:

-There has recently been a change to the credit line on this account.

-Recent use of this this account's existing credit limit line has been to low.

-A credit limit increase is currently not available upon request Capital one is evaluating account activity at assigned credit limit.

Current spending on this card has been low, so I've not requested another CLI.

Current scores are: TU-735, EX-747, EQ-724

Re: CapitalOne Walmart CLI issues

Anonymous — Tue, 04 Aug 2020 03:11:47 GMT

I also have this card, got it Nov 2019 with a whopping $300 limit used it alot, mainly for Doordash and the weekly Walmart runs. Asked for a CLI in July 2020 was given a $100 increase. Cap1 likes too see alot of spend on there cards and in my experience carry a balance as well. I always pay my Cap1 cards in full every month. I don't think they like that. My wife started with $500 dollars has worse credit then me and got too $3500, while carrying balances unlike me. Hope that helps I don't reccomend carrying balances though.

Re: CapitalOne Walmart CLI issues

polian — Tue, 04 Aug 2020 03:31:25 GMT

I opened mine in Sept 19 with a $300SL. Lots of spend (and lots of rewards earned) but it was too frustrating to manage properly. Felt like I was playing with fire: I didn't want to risk the embarassment of a checkout decline. They should easily see that it is insufficient when you have multiple intra-cycle full credit line payoffs.

Tried several times for CLI, always denied. Cashed out the rewards and I closed it a few weeks ago with much enthusiasm. Felt good. The 5% scheme was due to end for me shortly anyway. This was my last CapOne product.

Re: CapitalOne Walmart CLI issues

Anonymous — Tue, 04 Aug 2020 03:56:30 GMT

Same^^^^ closed.mine also dont anticipate ever getting any more cap ones myself as theres nothing in the portfolio I want except the savor but with no prequal and triple pulls not even gonna bother

Cap One Walmart CC CLI

Anonymous — Tue, 04 Aug 2020 04:17:56 GMT

I am having such a hard time getting a CLI for my cap one credit card. I've had this CC since October 2019. I've paid balances in full. My issue is, every time I try a CLI for the past few months it keeps saying my Credit Score is too low and it's at a 586. Well, my credit score has gotten a lot higher since November and now I'm the 670's-680's for all scores.

I would like to add that it says this credit score date is from 05/26/2020. Wouldn't they be able to see my new credit scores? Is there something I'm doing wrong? I would really love a CLI because my CL is only $300.

if anyone else has had this problem, or have advice please help me out. Thank you.

Re: CapitalOne Walmart CLI issues

Anonymous — Tue, 04 Aug 2020 05:30:55 GMT

O yea the only use its getting know is to pay for MyFico membership just to keep it active. If it had a AF I would he canceling it.

Re: CapitalOne Walmart CLI issues

Brian_Earl_Spilner — Tue, 04 Aug 2020 05:37:14 GMT

Card is basically worthless and I'll probably cancel shortly.

Re: CapitalOne Walmart CLI issues

Anonymous — Tue, 04 Aug 2020 10:14:57 GMT

Im pretty upset it sucks so bad, cant believe I blew a 5/24 slot on it tbh

Re: CapitalOne Walmart CLI issues

Shawn19AL — Tue, 04 Aug 2020 11:05:33 GMT

I got my Walmart Store Card in Feb of this year with a $300 CL, at three months, I received an increase of $100. Ill be requesting a CL once it shows Ive had the card for 6 months.

Im hoping it increases more than $100. Its my lowest CL . Im still in rebuild though. 1 collection and 3 accounts with lates that wont fall off until 2023. All FICO 8s in the Good range except Trans at 667.

Re: CapitalOne Walmart CLI issues

gdale6 — Tue, 04 Aug 2020 15:00:45 GMT

I see the Capital 1 motto is at work even in the Walmart card, I suggest you all begin complaing to the CEO of Walmart and demand another processor or complain about how Cap-1 is restricting CLIs whereas Synch was generous

Re: CapitalOne Walmart CLI issues

Anonymous — Tue, 04 Aug 2020 17:01:43 GMT

I don't have any hate. Just wanted to see if anyone has had this issue and a way to get it resolved.

Re: CapitalOne Walmart CLI issues

Brian_Earl_Spilner — Wed, 05 Aug 2020 02:24:31 GMT

@Anonymous wrote:
I don't have any hate. Just wanted to see if anyone has had this issue and a way to get it resolved.

Just about everyone has this issue with just about every cap1 card. The cure is heavy spend for at least 3 months. For me, it took cycling my limits 3x in 3 months before they gave me increases

Re: CapitalOne Walmart CLI issues

Applepro1990 — Wed, 05 Aug 2020 02:44:43 GMT

For some reason Walmart capital one seems to give smaller limits from others I have heard from as well. Usually after 6-8 months they will allow you to request more.

Re: CapitalOne Walmart CLI issues

IrishPM — Wed, 05 Aug 2020 13:13:05 GMT

My experience with the card is it takes about 6 to 9 months before the CLI's start happening. I had my Walmart card when the issuer was Synchrony and had a $2,500 CL. I paid the bill off each month, just like you're doing and after 6 months, they raised my CL to $5,000. In less than 4 months later, they raised my CL to $7,500. I use the card about twice a month to order groceries for pickup and pay the bill off before it's due each month.