Cap1 CLI Denial

[Anonymous]

The first capital one card i got was a year ago now. at that point i had to settle for a secured card.

my starting limit was $200. i didnt realize about the early cli so i never requested. at 6th statement i got my auto increase to bring my limit to $500.

At the 11th statement i was upgraded to an unsecured card and got my deposit back. shortly after i had that PC to a quicksilver. and asked for another Cli. I was denied due to it not being six months since my last CLI. Understood.  So i just hit my 12th  statement and was denied again. This time was told it was becuse my account was recently unsecured. 

To me this didnt make sense its been 6 months since my last cli .

so i contacted facebook and sent an email to EO. to ask for a Manuel Review and to reconsider . facebbook responded back and informed me that there was nothing that could be done. they said that i can only ask for a CLI 6 months from the unsecured date because i recieved my deposit back. Still nothing back from EO but we will see. im sure its a long shot. I guess ill have to wait till march to ask again.

Either way i have my other cap1 that will hit 6 months next week i started that at $500 unsecured and did the early request to bring it to $600

also Just got approved for Discover$800 SL. just waiting on the card.

just blows that i have to wait 11 Months between even being considered for That CLI

[AverageJoesCredit]

Such is life with C1. Big congrats on scoring a Discover. Great card!

[Adkins]

+1 on the Discover card, congratulations! Cap1 seems to be hit or miss on things.

[Anonymous]

Same boat as you. Started off with their secured card, graduated to unsecured 11 months later then I Pc’d to Quicksilver but could not get a CLI. Being told the same as you. To wait for 6 mos. as it was recently unsecured. My aurgument with the EO was that they had 12 mos. of my payment and usage history to warrant a manual review. The 6 mos. they would have me wait could very well just go to a different company altogether. I emailed them and got a call from the EO, a nice lady and told her that I’d be happy to close their cards including my checking account and bring my business elsewhere if I’d have to wait for something that I’m already eligible for now, and she told me to give her time to bring it through the proper channels. And that I will be contacted within 10-15 days for an outcome. Perhaps you can persuade them since their policies suck like that and someone needs to ignite something to force them to make some changes. Hope you get your CLI.

[Shooting-For-800]

When your credit score is 50 points higher than it was when you opened your no-CLI cards, open a new Cap One card.

Cap One has class ceilings on cards, but not clients.

I have been denied on CLI only to be approved for new 10k and 30k SL cards.

[Anonymous]

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@Anonymous wrote:
Same boat as you. Started off with their secured card, graduated to unsecured 11 months later then I Pc’d to Quicksilver but could not get a CLI. Being told the same as you. To wait for 6 mos. as it was recently unsecured. My aurgument with the EO was that they had 12 mos. of my payment and usage history to warrant a manual review. The 6 mos. they would have me wait could very well just go to a different company altogether. I emailed them and got a call from the EO, a nice lady and told her that I’d be happy to close their cards including my checking account and bring my business elsewhere if I’d have to wait for something that I’m already eligible for now, and she told me to give her time to bring it through the proper channels. And that I will be contacted within 10-15 days for an outcome. Perhaps you can persuade them since their policies suck like that and someone needs to ignite something to force them to make some changes. Hope you get your CLI.

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Same boat as you. Crap1 simply will not let a toy card graduate higher. I started out with a $500 limit secuired, at 6 months they gave me a CLI of $29 (you read that right, twenty nine dollars) so now I have a CL of $529. Six months later they unsecured the account and returned my security deposit.  Their card is resting peacefully in my sock drawer getting a good nights sleep and a good days sleep at the same time. If they ever decide to give me a CLI so I can buy more than a tank of gasoline and not get dinged for Utilization percentage their card may see daylight. Change the terms and slap on an AF and the card 's pieces go back to Crap 1 before the ink on the letter is dry. With scores in the high 700s and no derogs they can be a little more generous. As long as they act like the Grinch I will treat them like the Grinch.