topic Re: Cap1 CLI Possible? in Credit Cards

Cap1 CLI Possible?

Anonymous — Tue, 01 Nov 2011 15:05:32 GMT

Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

Re: Cap1 CLI Possible?

UFGuy2006 — Tue, 01 Nov 2011 15:28:45 GMT

@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

Sounds like a canned response to me.

Re: Cap1 CLI Possible?

CreditCrusader — Tue, 01 Nov 2011 15:40:13 GMT

@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

Cap1 is the KING of mysterious CLIs. Mine ($500 to $750) was automatic after 6 months...NADA after that. I have heard of hard pulls getting nowhere when people try to get CLIs by phone.

If you figure this one out, let me know...wish I could be more helpful but this one just doesn't have a good answer.

Re: Cap1 CLI Possible?

Anonymous — Tue, 01 Nov 2011 16:17:42 GMT

@CreditCrusader wrote:
@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?
Cap1 is the KING of mysterious CLIs. Mine ($500 to $750) was automatic after 6 months...NADA after that. I have heard of hard pulls getting nowhere when people try to get CLIs by phone.

If you figure this one out, let me know...wish I could be more helpful but this one just doesn't have a good answer.

No kidding. I've had my Cap1 Visa sitting at a $1400 CL for years. Last year, I made three attempts at requesting a CLI. No go each time. Then, a month or so after my final request, they gave me a $5000 CLI out of the blue! Go figure...

Re: Cap1 CLI Possible?

mAndrew1980 — Tue, 01 Nov 2011 16:49:37 GMT

I've read so many different things about Cap1. However the majority of Cap1 rebuilder owners "seem" to cap out at 750-1000. I've had mine for 9 months and am currently at 500 (bumped from 300). Probably going to request 750 soon.

Re: Cap1 CLI Possible?

Anonymous — Tue, 01 Nov 2011 17:22:09 GMT

BTW, I received the same canned response as OP. I was a sucker and fell for it...called them up just to find out "no, you're not eligible at this time"

Re: Cap1 CLI Possible?

laz98 — Tue, 01 Nov 2011 21:03:43 GMT

ditto here

Re: Cap1 CLI Possible?

Anonymous — Tue, 01 Nov 2011 21:11:34 GMT

You will never see a CLI. I've had the same cap1 card for 3.5+ years and I have never gotten a CLI. Not 1 cent. Every time (3+ per year) They tell me that cap1 is a very conservative lender and they are not giving out CLIs at customer request. Instead they tell you that they automatically give them out, though after 3.5 years of solid payment history and 0 balance, you'd think they'd increase the line.

Re: Cap1 CLI Possible?

notmyj — Tue, 01 Nov 2011 23:53:20 GMT

Its not that cap one doesn't give CLI's, but rather there seems to be no rhyme or reason for it. If you ask they will turn you down. If don't ask they will bump you up a bit ($250). In my case 11 months after opening I got a bump from 500 to 750. Then 3 months later October 2011 they bumped me up to $2250. All with out asking. Some people get it, some never get it. I was not in the credit steps program as far as I know.

Re: Cap1 CLI Possible?

Anonymous — Wed, 02 Nov 2011 03:18:28 GMT

Their CLIs do seem completely random. I got one after the 5th (or was it 7th) billing statement from the Credit Steps program, went from 500 to 750. Been stuck there for the past half a year. Everyone I spoke to said there's only one credit step, so anything else will just be completely random. "We periodically review accounts blah blah blah".

When you call, there's an option to request an auto CLI. I think it's "More Options" and then "Request Credit Limit Increase". Last time I did that it said I wasn't eligible since my current credit limit hadn't been maintained for 6 months. It was automated, so there weren't questions asked.

Re: Cap1 CLI Possible?

climbinghigher — Wed, 02 Nov 2011 03:32:24 GMT

Go Figure! I have been stuck at 1500 for years and years! I get paid every three months or so, so I use my cards. I had 18 bucks left on my card. What % of util. is that? I get home today and check my email. Capital One has given me a 1K increase!

Re: Cap1 CLI Possible?

boomhower — Wed, 02 Nov 2011 05:24:06 GMT

My experience with them is they don't do customer initiated CLI's but keep up with your other cards until you hit big boy/girl territory. Everytime HSBC or Hooters goes up they follow very shortly thereafter. I started with them at around $500 and it stayed that way for years until I started getting other cards that went up and they started chasing. It's sitting at $1800 with Hooters at $1900 and HSBC at $2000. Bank of America on the otherhand just doesn't care and stick's at $500, been there for years. BOA is on the closing list with Orchard as I've outgrown $79 AF's.

Re: Cap1 CLI Possible?

Anonymous — Thu, 24 Nov 2011 09:14:55 GMT

Nothing to do with Cap1, but im telling you from personal experience, DO NOT waste a hard pull on discover, they dont approve anyone that has proven responsible with their credit.

Re: Cap1 CLI Possible?

sandsanta — Thu, 24 Nov 2011 09:30:09 GMT

@Anonymous wrote:
Nothing to do with Cap1, but im telling you from personal experience, DO NOT waste a hard pull on discover, they dont approve anyone that has proven responsible with their credit.

Actually they do.

Re: Cap1 CLI Possible?

LS2982 — Thu, 24 Nov 2011 13:21:03 GMT

@CreditCrusader wrote:
@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?
Cap1 is the KING of mysterious CLIs. Mine ($500 to $750) was automatic after 6 months...NADA after that. I have heard of hard pulls getting nowhere when people try to get CLIs by phone.

If you figure this one out, let me know...wish I could be more helpful but this one just doesn't have a good answer.

I'm waiting for mine to go through. 2 more months!! I'd be happy with a 750 CL they'll be the reaccuring charge card.

Re: Cap1 CLI Possible?

Anonymous — Thu, 24 Nov 2011 16:16:48 GMT

@boomhower wrote:
My experience with them is they don't do customer initiated CLI's but keep up with your other cards until you hit big boy/girl territory. Everytime HSBC or Hooters goes up they follow very shortly thereafter. I started with them at around $500 and it stayed that way for years until I started getting other cards that went up and they started chasing. It's sitting at $1800 with Hooters at $1900 and HSBC at $2000. Bank of America on the otherhand just doesn't care and stick's at $500, been there for years. BOA is on the closing list with Orchard as I've outgrown $79 AF's.

I opened my Crap1 cards over a year and a half ago with a 583-610 FICO and no other cards, now I'm sitting on a 800+ EQ and not far behind are my TU and EX, I have cards with 16K, 10K, 6K, 5K and so on CL's, and Crap1 will still do nothing for me. Both Crap1 cards still at 500CL and 750CL.

Go figure

Re: Cap1 CLI Possible?

LS2982 — Fri, 25 Nov 2011 00:10:58 GMT

@Anonymous wrote:
@boomhower wrote:
My experience with them is they don't do customer initiated CLI's but keep up with your other cards until you hit big boy/girl territory. Everytime HSBC or Hooters goes up they follow very shortly thereafter. I started with them at around $500 and it stayed that way for years until I started getting other cards that went up and they started chasing. It's sitting at $1800 with Hooters at $1900 and HSBC at $2000. Bank of America on the otherhand just doesn't care and stick's at $500, been there for years. BOA is on the closing list with Orchard as I've outgrown $79 AF's.
I opened my Crap1 cards over a year and a half ago with a 583-610 FICO and no other cards, now I'm sitting on a 800+ EQ and not far behind are my TU and EX, I have cards with 16K, 10K, 6K, 5K and so on CL's, and Crap1 will still do nothing for me. Both Crap1 cards still at 500CL and 750CL.

Go figure

You really should close those Cap1 accounts stang. Or SD for good til they close for inactivity. Are they your oldest TL's?

Re: Cap1 CLI Possible?

Anonymous — Fri, 25 Nov 2011 21:24:30 GMT

I do not understand Cap 1 at all. I have had 2 accounts with them now in excellent standing...near 700 scores, always PIF each month...no CLI

Now my wife gets a 1k increase to 2k overall last night with low scores, always at the limit, and multiple baddies. Her account has had lates as well. How in the world do you explain that?!?!

Re: Cap1 CLI Possible?

Anonymous — Fri, 25 Nov 2011 21:33:19 GMT

@LS2982 wrote:
@Anonymous wrote:
@boomhower wrote:
My experience with them is they don't do customer initiated CLI's but keep up with your other cards until you hit big boy/girl territory. Everytime HSBC or Hooters goes up they follow very shortly thereafter. I started with them at around $500 and it stayed that way for years until I started getting other cards that went up and they started chasing. It's sitting at $1800 with Hooters at $1900 and HSBC at $2000. Bank of America on the otherhand just doesn't care and stick's at $500, been there for years. BOA is on the closing list with Orchard as I've outgrown $79 AF's.
I opened my Crap1 cards over a year and a half ago with a 583-610 FICO and no other cards, now I'm sitting on a 800+ EQ and not far behind are my TU and EX, I have cards with 16K, 10K, 6K, 5K and so on CL's, and Crap1 will still do nothing for me. Both Crap1 cards still at 500CL and 750CL.

Go figure
You really should close those Cap1 accounts stang. Or SD for good til they close for inactivity. Are they your oldest TL's?

I know LS2982 I paid the 39AF on both of them this year, figuring maybe, just maybe, Cap1 will step up and they have not thus far, so I will def close them before the Af hits next year, and they both have been SD'd for months.

No they are not my oldest TL's, I have 3 open AmEx cards that are backdated to 1991.

Re: Cap1 CLI Possible?

Anonymous — Fri, 25 Nov 2011 21:58:03 GMT

@Anonymous wrote:
I do not understand Cap 1 at all. I have had 2 accounts with them now in excellent standing...near 700 scores, always PIF each month...no CLI

Now my wife gets a 1k increase to 2k overall last night with low scores, always at the limit, and multiple baddies. Her account has had lates as well. How in the world do you explain that?!?!

I sure haven't been able to figure them out. Part of the difficulty in figuring out Cap One patterns is that Cap One offers so many different cards. Cap One's behavior on, say, a Cap One platinum, may be very different than their behavior for a Cap One premier platinum. We're pretty good on these boards as far as differentiating the various flavors of Amex cards, but we tend to lump all Cap One cards in a single category - which makes it hard to figure out if there's nuances for the different cards.