Just for the info, next time, make one huge payment. Do that for 2 months and your average will go up, then ask for the CLI again. Good luck!
Gardening since 12/15/2019. Goal 12/15/2021
@Anonymous wrote:
@Anonymous wrote:
okay saw it. it's decent.Please, next time don't just assume you know the poster's credit profile due to the situation. It's clear the fact that Cap One would approve me for another 10K Venture last month, and then deny me CLI is just pure folly.
I'm merely posting to find out when the system will actually evaluate my account again if I request a CLI without getting the same denial reason. I'm a software engineer by trade; I understand how business systems work. I'm not looking to undercut Cap One's processes or ruin the EO for anybody, so your initial comments were wholeheartedly unnecessary.
just went based on the values provided. no need for bragging my friend. no one cares about what you do as much as you do 
keep that in mind.
@Anonymous wrote:
@lindsaydruart wrote:If that's the case, I would definitely get EO involved. I think your complaint is valid. There could be some issue that no one is recognizing. I've had an issue in my Cap1 account that prevents me from making payments and it was all due to my name change not being changed on all my accounts, even old ones. It took about 6 reps with about 4 supervisors across 3 departments to figure it out.
From your history with them, this is beyond just a CLI. It's a complete business relationship that doesn't seem to be getting you the results you should, even though it really should. Email em. They will at least tell you WHY things are the way they are.
I appreciate the sentiments, but Cap One isn't important enough to me to waste my time on them. However, I'm merely annoyed that anybody on this forum would be so patronizing about contacting the EO when they know nothing of the OP's history or credit profile.
At least with Cap One, I get the opportunity to grow my cards. Barclays let me waste two HP's just for denials and not even letting up for a $500 CLI upon recon. Hence, they got axed from my card collection.
I've got no major gripe w/ Capital One; it's just clear their CLI decision algorithm is broken if that's the sole reason I was denied.
I hear ya......
I'm getting the same denial reason too now just recently - "average payment too low".
I'm making $400+ payments per month on a $1300 card(not PIF though). I just don't get it at all. I've had that particular card almost a year now.
Think next month I'll PIF that card with 1 payment, and try a CLI the following month & see what happens.
Also, how do you see when your last successful CLI was? I can't seem to find it listed anywhere & I honestly can't remember lol.
Just my two cents.....1K increase in August 2015 ( multiple small payments not many swipes)...Februrary 2016 3K the difference I see is my limit was 4500, I swiped the card to death lots on small transaction 30+( gas, cigs, candy, lunch, basically anybody that would take a card for small trans) a month on top of lage payments like rent 1058. utilities 700. gifts at xmas ( went crazy with swipes then ) always paid it down to 200-300 from almost maxing it out tried for increase 2/1 no go ( reason this card recently had an increase) tried 2/7, 2/9 same reason 6 months to the day 2/11 BAMM 3K increase (7500). Now it will get some rest and I will do the same on my C1 Visa that is due for an increase in 4 more months 6/13 to be exact. So to answer your original question there is no waiting period between when you get turned down.
