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Cap one CLI denial

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Jnbmom
Credit Mentor

Cap one CLI denial

DH has had the savor one card for 7 months, sixth statement cut on may 20. I figured to go for a CLI denied for account being too new 🙄. 

I thought they would give at 6 months, guess not 😂.

EXP 780 EQ 796 TU 810
Message 1 of 15
14 REPLIES 14
GZG
Senior Contributor

Re: Cap one CLI denial


@Jnbmom wrote:

DH has had the savor one card for 7 months, sixth statement cut on may 20. I figured to go for a CLI denied for account being too new 🙄. 

I thought they would give at 6 months, guess not 😂.


I'd be curious when the most recent account review pulls were, maybe there hasn't been 6 account review credit pulls yet? 

 

I definitely didn't get my $100 CLI until a tad bit after 6 months, took seven statements 

Starting FICO 8:
Current FICO 8:



4/6, 4/12, 8/24 new accounts
Message 2 of 15
Creditwiser
Valued Contributor

Re: Cap one CLI denial


@Jnbmom wrote:

DH has had the savor one card for 7 months, sixth statement cut on may 20. I figured to go for a CLI denied for account being too new 🙄. 

I thought they would give at 6 months, guess not 😂.


What is the CL and how much did you request ?   I kept getting denied until recently I requested 1k each QS and was instantly approved.  

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 38K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 8k |
Message 3 of 15
Jnbmom
Credit Mentor

Re: Cap one CLI denial


@Creditwiser wrote:

@Jnbmom wrote:

DH has had the savor one card for 7 months, sixth statement cut on may 20. I figured to go for a CLI denied for account being too new 🙄. 

I thought they would give at 6 months, guess not 😂.


What is the CL and how much did you request ?   I kept getting denied until recently I requested 1k each QS and was instantly approved.  


His starting line was 3K I went for 9K . 

EXP 780 EQ 796 TU 810
Message 4 of 15
FireMedic1
Community Leader
Mega Contributor

Re: Cap one CLI denial

@JnbmomGot greedy. Should have asked for the Cap1 special $500. Or is it $100? Smiley Very Happy

Next time!


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 5 of 15
Jnbmom
Credit Mentor

Re: Cap one CLI denial


@FireMedic1 wrote:

@JnbmomGot greedy. Should have asked for the Cap1 special $500. Or is it $100? Smiley Very Happy

Next time!


Well I always shoot for the moon  😂I don't have any cap one cards myself they are not my favorite bank .

EXP 780 EQ 796 TU 810
Message 6 of 15
Cowboys4Life
Frequent Contributor

Re: Cap one CLI denial


@Jnbmom wrote:

@Creditwiser wrote:

@Jnbmom wrote:

DH has had the savor one card for 7 months, sixth statement cut on may 20. I figured to go for a CLI denied for account being too new 🙄. 

I thought they would give at 6 months, guess not 😂.


What is the CL and how much did you request ?   I kept getting denied until recently I requested 1k each QS and was instantly approved.  


His starting line was 3K I went for 9K . 


I have an outstanding history with Cap1 and under 15% usage on all cards and my CLI last week was met with a $250 offer.  They are back to their sub par CLIs.  Chances you get a triple increase are slim to none right now based on what I am seeing.

Message 7 of 15
Jordan23ww
Valued Contributor

Re: Cap one CLI denial

Sorry to hear about the denial!  I saw @GZG  reply about it taking a little longer than 6 months for them to get an increase. They're not the first person I've seen say something like this.  Since it's a soft pull if your DH tries again in a little bit they might get the limit increase! Best wishes to them if they do try again!

         


Message 8 of 15
M_Smart007
Legendary Contributor

Re: Cap one CLI denial


@Jnbmom wrote:

@FireMedic1 wrote:

@JnbmomGot greedy. Should have asked for the Cap1 special $500. Or is it $100? Smiley Very Happy

Next time!


Well I always shoot for the moon  😂I don't have any cap one cards myself they are not my favorite bank .


At least you have the intestinal fortitude to "AIM HIGH"Smiley Happy

I also learned to shoot high, after many shots to the footSmiley Frustrated

 

Sometimes you shoot for the moon,

and end up in outerspaceSmiley Very Happy (at least I do)

Message 9 of 15
Jordan23ww
Valued Contributor

Re: Cap one CLI denial


@M_Smart007 wrote:

@Jnbmom wrote:

@FireMedic1 wrote:

@JnbmomGot greedy. Should have asked for the Cap1 special $500. Or is it $100? Smiley Very Happy

Next time!


Well I always shoot for the moon  😂I don't have any cap one cards myself they are not my favorite bank .


At least you have the intestinal fortitude to "AIM HIGH"Smiley Happy

I also learned to shoot high, after many shots to the footSmiley Frustrated

 

Sometimes you shoot for the moon,

and end up in outerspaceSmiley Very Happy (at least I do)


@M_Smart007  that video you attached is too funny! 

         


Message 10 of 15
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