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Cap1 CLI 2-3 day...thread

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stagefoursurvivor
Established Contributor

Cap1 CLI 2-3 day...thread

For those who received the ominous 2-3 days "We'll let you know..." response when you applied for the CLI, please respond here with the outcome?

 

I applied yesterday afternoon, 2/14 on my:

QS1 3 months old, $3-4K usage

QS Sig 2 weeks old, $2K BT

Scores in the 670-680 range

I didn't bother to apply on my Prestige MC or Venture1

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 1 of 17
16 REPLIES 16
Eyisila
Frequent Contributor

Re: Cap1 CLI 2-3 day...thread

Denied

Secured - basically said can't ask for an increase on a secured card

QS1 - recent CLI of $1000 like a month ago Smiley Tongue

 

DH Denied

2 unsecured cards - said his score was to low - they have him at 495?? shrug.  He uses better cards for daily anyway LOL

 

Message 2 of 17
stagefoursurvivor
Established Contributor

Re: Cap1 CLI 2-3 day...thread

Thanks!

When did you app?

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 3 of 17
Anonymous
Not applicable

Re: Cap1 CLI 2-3 day...thread

The 2-3 day message is always a denial. My document center is filled with them. 

Message 4 of 17
stagefoursurvivor
Established Contributor

Re: Cap1 CLI 2-3 day...thread

That's awfully discouraging...hope this new apparent generosity concerning CLIs has changed that result.

But I won't get my hopes up. I hadn't even entertained the thought of a CLI given their history until these posts started popping up

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 5 of 17
CribDuchess
Established Contributor

Re: Cap1 CLI 2-3 day...thread

I think if the CLI request isn't granted immediately, then you're probably denied.  I was lucky enough to receive instant approval on an online CLI request about a year ago (went from $8K to $10K).  But every time I've tried since then, I receive the dreaded 7-10 day letter notification.  The reason is always the same - too little usage of my current limit (or something to that effect).  I guess my monthly Netflix charge isn't enough for CapOne to open their purse strings again to me.  LOL

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 6 of 17
stagefoursurvivor
Established Contributor

Re: Cap1 CLI 2-3 day...thread

I just discovered on my documents page...declined, "your current score doesn't support a CLI at this time...Eq 651"

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 7 of 17
Anonymous
Not applicable

Re: Cap1 CLI 2-3 day...thread

Always contact an EO if you want a CLI from CapitalOne. That's my experience.

Message 8 of 17
CreditCuriosity
Moderator Emeritus

Re: Cap1 CLI 2-3 day...thread


@stagefoursurvivor wrote:

I just discovered on my documents page...declined, "your current score doesn't support a CLI at this time...Eq 651"


This is there normal reason and there score doesn't match any EQ model I know.. Guessing it is an internal score of theirs?

 

Prior to the LUV this weekend 2 days ago got the same message, but ended up with luv this weekend for whatever reasoned.

Message 9 of 17
stagefoursurvivor
Established Contributor

Re: Cap1 CLI 2-3 day...thread

Huh? You were denied 2 days ago and then approved 2 days later on the SAME card?

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 10 of 17
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