Cap1 CLI Requests

[marcforza1]

I'm getting ready to pay off the balances for my QS and QS1 cards so I can finally get my scores up. I'm thinking about asking for a CLI on the QS1 (current CL is $500 and this month will be a year since having the card) so that I can have a better chance to upgrade it to one of the Venture cards. I did ask for a CLI back in January but got denied to the high utilization on the card. With me bringing the balance down to $0 (hopefully by the end of the week before the due date), should I try to ask for another CLI later this month or is it too soon to request it again? 

[Remedios]

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@marcforza1 wrote:

I'm getting ready to pay off the balances for my QS and QS1 cards so I can finally get my scores up. I'm thinking about asking for a CLI on the QS1 (current CL is $500 and this month will be a year since having the card) so that I can have a better chance to upgrade it to one of the Venture cards. I did ask for a CLI back in January but got denied to the high utilization on the card. With me bringing the balance down to $0 (hopefully by the end of the week before the due date), should I try to ask for another CLI later this month or is it too soon to request it again? 

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I'd give it some time after you pay it off. Cap1 does ARs every 2-3 months,  so if you request too soon, they will use old SP showing high utilization. 

Good luck 

[Anonymous]

I have had a Capital One CC for years, it was upgraded to Quicksilver some time ago and after some BS I stopped using it. I recently decided to request a CLI, haven't heard anything from them and its been days. At the end of the day IDGAS really and I can go without ever using that card again. 

Good luck on your CLI, let us know how it goes.

[marcforza1]

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@Remedios wrote:

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@marcforza1 wrote:

I'm getting ready to pay off the balances for my QS and QS1 cards so I can finally get my scores up. I'm thinking about asking for a CLI on the QS1 (current CL is $500 and this month will be a year since having the card) so that I can have a better chance to upgrade it to one of the Venture cards. I did ask for a CLI back in January but got denied to the high utilization on the card. With me bringing the balance down to $0 (hopefully by the end of the week before the due date), should I try to ask for another CLI later this month or is it too soon to request it again? 

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I'd give it some time after you pay it off. Cap1 does ARs every 2-3 months,  so if you request too soon, they will use old SP showing high utilization. 

Good luck 

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Good to know about the AR every 2-3 months. I'll just hold off until April before asking for a CLI on it. At least I'll be able to relax knowing that two of my cards are paid off. 

[Anonymous]

Im in the same boat. Had the card about 14mo now. No CL growth other than finishing the steps. Was at about 30% util on the card. Asked for CLI. Denied for high balance. PIF and a month later asked again. Denied for too many inq. WTH Cap1!? I do have about 8 in the past 12mo. Oh well. 

Keep us posted! Good luck!

[Hockeypnc1]

AR is annual review?

[HeavenOhio]

AR = account review.

@marcforza1, if you call and ask, the front line rep should be able to tell you when your next account review is.

[marcforza1]

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@HeavenOhio wrote:

AR = account review.

@marcforza1, if you call and ask, the front line rep should be able to tell you when your next account review is.

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I'll give them a call about AR this weekend after I make my payment. And I'll do an update on here sometime in April when I contact them again about the CLI as well as any signs of increase on my score after my PIF payments on the two cards. 

[Anonymous]

I just found out about the AR schedule this week, which in my case appears to be quarterly. I put in for a CLI which of course was denied, and on page 2 of my letter it mentioned checking my EQ score from 1-1-2019, when it was suppressed by higher UTI. I’ll try again in April when it’ll reflect my higher scores.

[Anonymous]

Good luck! From personal experience and reading around the forums, CapOne seems to be hit or miss. Let us know what happens.