topic Re: Cap1 CLI Question in Credit Cards

Cap1 CLI Question

Anonymous — Wed, 12 Nov 2014 15:13:20 GMT

Hello all,

I "upgraded" my Cap1 Plat card to a QS1 this morning (i now have 2 QS1). I've had the cards for about 3 months, and they have toy limits of $500 each, making them impractical to use when i have a NPSL Amex and a BoA 321 rewards with $2500. I requested a CLI this morning on one card, and was given the 2-3 day message. Since approval, My income has increased by about 40k (took a promotion) and I reflected that when asking. I also PIF every month before the statement cuts. i never have a balance over about 200 before I pay. What are the odds of a CLI?

Re: Cap1 CLI Question

Creditaddict — Wed, 12 Nov 2014 15:59:30 GMT

@Anonymous wrote:
Hello all,
I "upgraded" my Cap1 Plat card to a QS1 this morning (i now have 2 QS1). I've had the cards for about 3 months, and they have toy limits of $500 each, making them impractical to use when i have a NPSL Amex and a BoA 321 rewards with $2500. I requested a CLI this morning on one card, and was given the 2-3 day message. Since approval, My income has increased by about 40k (took a promotion) and I reflected that when asking. I also PIF every month before the statement cuts. i never have a balance over about 200 before I pay. What are the odds of a CLI?

if it's not instant it's denied... call the EO and ask them to send it for manual review.

Re: Cap1 CLI Question

CreditCuriosity — Wed, 12 Nov 2014 16:03:25 GMT

Doubt you will have any luck with 3 months with Cap1 on CLI, usually takes 6 months. Doesn't hurt to try to EO route though as it is just a SP as well, worse thing that can happen is a no.

Re: Cap1 CLI Question

Anonymous — Wed, 12 Nov 2014 16:47:33 GMT

Wait until you have had the card for 6 months, then try the Love Button - if that didn't work try the EO. You want to request a SP CLI every 6 months.

Re: Cap1 CLI Question

Anonymous — Wed, 12 Nov 2014 16:47:53 GMT

Wait until you have had the card for 6 months, then try the Love Button - if that didn't work try the EO. You want to request a SP CLI every 6 months.