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Cap1 QS CLI Request 2-3 Day Message

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NYFan63
Established Contributor

Cap1 QS CLI Request 2-3 Day Message

So I submitted a CLI request on one of my two Cap1 QS cc's.  I received the 2-3 day message.  I received one about three months ago - is this a HP or SP?  If it is a HP, can I send a SM to cancel?

 

Thanks in advance.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 1 of 6
5 REPLIES 5
Ysettle4
Valued Contributor

Re: Cap1 QS CLI Request 2-3 Day Message

Good news: It's always a SP with requesting a CLI on a cap one card

Bad News: 1-2 day message usually means denied.

769 INQs: 6774 INQs: 5764 INQs: 8UTIL: 2%AAoA: 5yr 8mosTotal Credit Line: $873,950
Message 2 of 6
NYFan63
Established Contributor

Re: Cap1 QS CLI Request 2-3 Day Message

Thanks ysettle - I'm just glad it is a SP!  Good to know....

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 3 of 6
OmarGB9
Community Leader
Super Contributor

Re: Cap1 QS CLI Request 2-3 Day Message

SP, yes. And most likely denied, sadly.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 6
Anonymous
Not applicable

Re: Cap1 QS CLI Request 2-3 Day Message

SP and denial (well 99% of the time). Look at the reason, it's helpful to know when to ask again.

I try every month on my new cards, after the statement cuts and then 5-7 days before the next statement cuts. I've got a nice bump on my QS1. Then I wait the full 180 days.........

I have my fair share of documents saying no, but at least I'm not killing any trees in the process.
Message 5 of 6
Anonymous
Not applicable

Re: Cap1 QS CLI Request 2-3 Day Message


@NYFan63 wrote:

So I submitted a CLI request on one of my two Cap1 QS cc's.  I received the 2-3 day message.  I received one about three months ago - is this a HP or SP?  If it is a HP, can I send a SM to cancel?

 

Thanks in advance.


Like everyone else said it's a soft pull. If you're saying you just received a CLI on that card 3 months ago, then you will be denied because you can only get a CLI every 6 months with Cap 1. At least that's what they say.

Message 6 of 6
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