Cap1 CLI - not available upon request

[Skye12329]

Hi, 2 questions. 

1 - requested a CLI on my SavorOne ($500 limit) for kicks and giggles. And got the following denial reasons. 

- Credit Score too low (pulled from February, fair due to BK im guessing) 

- A CLI is not available upon request for this account (does this mean I'm bucketed?) 

2 - I am an AU on a Cap1 and NFCU card. I asked the primary to remove me due to the utilization being a bit high. I was originally added just to help kickstart me for rebuilding purposes. Will cap1 and NFCU remove the accounts from my reports or will I need to dispute with the bureaus to have them removed? 

Thanks!

[HeavenOhio]

I believe "not available" can mean that not enough time has elapsed since getting the card or since your previous increase.

[OmarGB9]

1. Could be. A card with that low of a limit is usually bucketed. 

2. I'm not sure if they'd automatically remove. My guess is no, you'd have to dispute with the bureaus as "not mine/not responsible for payment" after it reports as closed.

[Trini88]

I started off as a AU on my husbands Capital One card. His utilization was 98%. I got my own CapOne card and had him remove me. His Capital One card is still reporting on my credit report but in good standing. Let me find a picture 🤣

[Trini88]

It's my oldest reported account. It has not negatively affected my credit. I got removed as AU since Nov 2019 and it's still being reported which I'm happy about.