CAPITAL ONE CREDIT LIMIT INCREASE

[mgood]

Usually 6 months, as others have said. I have asked for CLI a couple days shy of 6 months and been denied, then turned around and asked again a few days later and gotten approved. . . . But once in 2020 I got it in about 5 or 5.5 months (definitely less than 6, but not a whole lot less).

[Drew1980]

Thanks for the feedback. I opened my account June 6. First statement cut on July 7. I guess I'll wait until my statement cuts in January. I've tried a few times and I always get the "your account is too new" message. I called Cap1 and no one there seems to know when the 6 months starts lol. Kinda frustrating really. What can you do with a $300 limit?? 

[Anonymalous]

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@Drew1980 wrote:

Thanks for the feedback. I opened my account June 6. First statement cut on July 7. I guess I'll wait until my statement cuts in January. I've tried a few times and I always get the "your account is too new" message. I called Cap1 and no one there seems to know when the 6 months starts lol. Kinda frustrating really. What can you do with a $300 limit?? 

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I opened mine in (early) May, and I was rejected for a CLI in (late) November because my "account was too new".

[Drew1980]

I'm only making a fuss because my offer from then specifically said they'd review in 6 months for CLI. I can understand if I had missed a payment or a payment was returned, but every billing cycle closed with either a zero or credit balance. If I get the same response after my billing cycle closes in January, I'm gonna raise some hell 🔥

[Anonymalous]

They were supposed to review mine after 6 months, as well. But like you, I'm still stuck at $300. Despite perfect payment history, and a couple months with very high usage.

Just applied for a CLI again. Got the you'll get an answer in 2-3 days reply. Though I'm less concerned than you about the outcome, because while I'd like to have a usable limit on my Cap1 card, I have a new card with a much higher limit.

[Drew1980]

Is that your Navy FCU AMEX? Would you mind sharing your CL and FICO score? I know someone who is willing to sponsor me for an account there, but have been researching their cards first. 

[Anonymalous]

My More Rewards SL is $8200, a more than 27 times increase over my Cap1 CL. I don't know my TU9 score at the time I applied (that's the score they pull), but my TU8 was 784. My scores are mostly due to an AU card.

You don't need a sponsor to join Navy Fed. You need a military affiliation, though they're not particularly strict. A dead grandfather who served in the military qualifies.

[Drew1980]

Thanks for the info!!! 

[OmarGB9]

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@Drew1980 wrote:

Is that your Navy FCU AMEX? Would you mind sharing your CL and FICO score? I know someone who is willing to sponsor me for an account there, but have been researching their cards first. 

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This sponsor should be immediate family or a roommate. That's the only legitimate way to join.

[AndySoCal]

@Anonymous  Your answer is in the first FAQ in the link below

https://www.capitalone.com/credit-cards/credit-line-increase/