Cap One Pre-Credit Steps CLI

[Anonymous]

My 4th statement just hit for my Cap One QS and again I was denied a CLI before my credit steps CLI.

Having tried a couple weeks previously with a denial message along the lines of "The amount of debt you have compared to income is not enough" I became suspicious enough to check my income information on their website.  Turns out I forgot a 0.  Makes sense.  I updated this information, waited a couple of days and received the "We're monitoring your spending at assigned limits" for my newest denial.

I've seen a lot of success with people on credit steps getting CLIs before their credit steps hits.  I used the card heavily for the last statement to increase my chances.  I maxed it out 3 times and made three full payments.  Is there anything else I can do besides trying at my 5th statment?  I like this card, but the $300 limit makes it challenging to use for bigger items I'm having to put on my BoA 321 instead.

[austinguy907]

Just wait.  It will happen when it happens.  There's no urgent need for either of you to increase the limit since you're able to make multiple payments.  Just pull back a little bit and play hard to get and you might get your wish granted sooner.

[Anonymous]

Just be patient and Cap One will reward you.  

[DeeBee78]

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@Anonymous wrote:

My 4th statement just hit for my Cap One QS and again I was denied a CLI before my credit steps CLI.

Having tried a couple weeks previously with a denial message along the lines of "The amount of debt you have compared to income is not enough" I became suspicious enough to check my income information on their website.  Turns out I forgot a 0.  Makes sense.  I updated this information, waited a couple of days and received the "We're monitoring your spending at assigned limits" for my newest denial.

I've seen a lot of success with people on credit steps getting CLIs before their credit steps hits.  I used the card heavily for the last statement to increase my chances.  I maxed it out 3 times and made three full payments.  Is there anything else I can do besides trying at my 5th statment?  I like this card, but the $300 limit makes it challenging to use for bigger items I'm having to put on my BoA 321 instead.

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Out of my three Capital One cards, I only ever got 1 pre-credit steps CLI, and it was only $100.