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Cap1 CLI

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Blender
Established Contributor

Cap1 CLI

Coming up on 180 days. 

Starting limit: 3,000

Auto CLI at first 180 days: 2500 (5500 SL)

Does Cap1 counter or should i ask for 2,000 on the safe side?

 

Thanks!

10/2024


Message 1 of 8
7 REPLIES 7
FireMedic1
Community Leader
Mega Contributor

Re: Cap1 CLI

On the CLI's they ask for you to fill in. I go with a small to moderate CLI for a better shot. But thats just me.


Message 2 of 8
NoMoreE46
Community Leader
Senior Contributor

Re: Cap1 CLI

Ask for the max you want.  Process is computer driven; no humans involved and no opportunity to override/recon.

GL 

Message 3 of 8
nytokyobred79
Valued Contributor

Re: Cap1 CLI

I think you can go for the max as @NoMoreE46 mentions and the computer will come back with what it's willing to offer. I was counter-offered the first time I shot for the moon and decided to take what the computer spit out. You can always decline the counter and try again perhaps when you think your spending/profile matches could get a better response. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 4 of 8
Blender
Established Contributor

Re: Cap1 CLI

Thank you all for your replies, I will update tomorrow!

10/2024


Message 5 of 8
Blender
Established Contributor

Re: Cap1 CLI

Asked for $2,500

Countered with $600

Balance 122/5500, scores up to date.

 

I decided to try this morning instead of waiting until Monday, I have a 9 year old CO dropping on Friday (Experian) and wasnt sure how my scores would react. I didnt accept it and Ill try again in September when another baddie falls off Transunion.

 

EDIT: 

- Paid my CFF down to 16%, no love online

- Macys gave me 1,500 more!

10/2024


Message 6 of 8
NoMoreE46
Community Leader
Senior Contributor

Re: Cap1 CLI

Thanks for the follow-up.   

Message 7 of 8
DatBoiQuick
Regular Contributor

Re: Cap1 CLI

Thanks for the DP! congrats on your CLI!

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Message 8 of 8
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