Cap1 CLI - How to?

[Anonymalous]

I have no idea.

My Quicksilver (originally a Platinum) was my first credit card, and it's now 18 months old. I was unscorable when I got the card, but by the time they were supposed to review my account for a CLI (at 6 months), my scores were pretty high, thanks to an AU card. While I only had access to one of the three mortgage scores Cap1 likes to pull, my EX 3 was 810. The others could have been even higher, because EX has always been the lowest of my FICO 8s.

But nada. I assumed this had to do with spend -- since it was my first card, for the first few months, I just put a token amount on the card every month (typically about 1%). But starting at month 5, I started running through more than 100% of my CL, for about 3 months. Still nothing. I tried multiple manual requests, before giving up. I was denied because my "account was too new", even though my card was 7 or 8 months old. Though I was able to use the link floating around the web to convert it to a Quicksilver.

Then I sockdrawered the card for a few months, putting some minor charges that varied from almost nothing up to about 14% of my CL. Then in July, I started putting more spend on the card. 40%, 60%, 70%, 70%, and then well past 150% in November. I manually requested CLIs in August and September, and got denied because "recent use... has been too low".

My average spend over the 18 months I've had the card is more than 40% of my CL, though it's varied widely. I've never missed a payment, though I've also never accrued any interest. I have two other cards now, and my total CL is more than 100 times higher than the CL of my Cap1 card.

Which is still stuck at $300.

[Suzette2]

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@PNWRambler wrote:

If it's a soft pull (I believe CapOne is) then it can't hurt to do it at any point. Some people (myself included) push these buttons like a video game. I request CLI's with soft pulls pretty regularly.  I just got another $2k on my Discover card this week, they tend to be great about CLI's.

As far as bucketing, I have a Capital One Quicksilver that I opened over 7 years ago that's still at $1,500 which is ridiculous considering I have over $75,000 in credit overall. They never approve me for a CLI, but they have approved me for different/new Capital One cards. It seems to me that applying for new cards is easier than getting out of the bucket; I'm sure others will chime in with more experience on this.

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I honestly hate cap1.  I have my bucketed card: basically out of spite and because it's an older one in my rebuilding.  $800 CL after monthly harassment's on my part seeking any sort of increase.  Upgrade? Nope.  New card? Nope only secured although my others are not.  I actually tried the theorem here to try fue new ones/ they wanted secured or my left arm including intrusive financials.  I've never been late.  And I've moved on. Except for spite and contrarianess.  Ibid.  .