Cap1 Denied CLI

[Anonymous]

Ugh. I hate Cap1.

I'll never get rid of the card, more than likely, for age of account reasons, but I just can't get CLIs on my Cap1 QS (not qs1) card.  

This was PC'd from platninum, which was at one point secured, so yeah, no need to restate what has been said here 50k times over about being bucketed.

This time, it seems it was straight credit score driven.  They went with a credit score nearly 45 days old (4/28/2020), which came out as 649.

With that, I wouldn't approve me for a CLI either!

Ugh.

Anyone know how often they do an AR inquiry? Looking at the soft pull list, they haven't pulled it in a year and a half prior. 

[Remedios]

The score from April is from last AR. 

Typically every four months for them. 

[Anonymous]

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@Remedios wrote:

The score from April is from last AR. 

Typically every four months for them. 

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Thanks Rem.  I gathered it was from their last AR.  Didn't know about the 4 months.

I wonder why the previous AR SPs aren't showing on the list.  SO MANY OTHERS are.... eh well.  I'll chock it up to being equifax. 

This gives me something to plan for.... note added to my calendar for Friday August 28th... 

[Shooting-For-800]

Are you spending more than 50% of you CL and paying it off every month?

[Anonymous]

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@Shooting-For-800 wrote:

Are you spending more than 50% of you CL and paying it off every month?

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Depends on the month. Most months no, the last few months yes.