Cannot get Capital One CLI. What am I doing wrong?

[Anonymous]

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@SFLSpotter9210 wrote:

I've had capital one for awhile now and I've pretty much hit a brick wall which is ok. I've asked for several CLI with a denial and reason was not adequate usage at current limit. And their right I don't really use it anymore so basically I stopped asking my UTL is 0%.

From what I gather from your account you asked for a CLI and their reason for denial was not paying enough or anything above the minimum payment. That would be a red flag to any bank that you maybe running into financial trouble. I would recommend for capital one use heavy and pay heavier if not PIF. That what's Been referenced quite a bit about capital one. Good luck with your journey 👍. 

Thank you for the info!! I have Automatic payments set up for at least the minimum and somtimes if I have extra cash left over at the end of the week I'll pay more towards the balance. I don't want them to think I can't pay them back. Right now, I'm making weekly $100 payments until the balance is PIF.

In your opinion, would you advise me to continue making weekly $100 payments or just save up the money and pay in full? 

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[SFLSpotter9210]

I would do what's comfortable for you. Maybe some others will have some advise as well. 

[Anonymous]

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@SFLSpotter9210 wrote:

I would do what's comfortable for you. Maybe some others will have some advise as well. 

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I appreciate your help

[Remedios]

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@Anonymous wrote:

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@SFLSpotter9210 wrote:

I've had capital one for awhile now and I've pretty much hit a brick wall which is ok. I've asked for several CLI with a denial and reason was not adequate usage at current limit. And their right I don't really use it anymore so basically I stopped asking my UTL is 0%.

From what I gather from your account you asked for a CLI and their reason for denial was not paying enough or anything above the minimum payment. That would be a red flag to any bank that you maybe running into financial trouble. I would recommend for capital one use heavy and pay heavier if not PIF. That what's Been referenced quite a bit about capital one. Good luck with your journey 👍. 

Thank you for the info!! I have Automatic payments set up for at least the minimum and somtimes if I have extra cash left over at the end of the week I'll pay more towards the balance. I don't want them to think I can't pay them back. Right now, I'm making weekly $100 payments until the balance is PIF.

In your opinion, would you advise me to continue making weekly $100 payments or just save up the money and pay in full? 

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It doesnt matter how you pay it, as long as you pay it off.

Do it whichever way saves you the most on interest payments.  

[Meanmchine]

Sorry about your denial