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Cap1 finally showed some luv however.

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Anonymous
Not applicable

Cap1 finally showed some luv however.

Had the card for almost a year and a half. Got a CLI of 2k after 6 months, never got anything after. Would hit luv every couple days sometimes going a few weeks without hitting it. Always got spending too low message, even when i put a ton of swipes on it.

 

Today i hit it finally saw a CLI, $750. Pretty low, considering all the luv Disc been giving me, in fact i got 2 day message with disc right now after my $400+ statement cut and a ton of swipes. So im anticipating i will go from $18k to $20k+ in the very near future.

 

Anyway i rejected their offer, i dont see the point in taking souch a low increase. Im trying to get all my cards close or over 10k. I want my file to look good, i want lenders in the future to see i can handle high limit cards and great scores.

 

What are my chances of getting another CLI with a higher amount in the near future? When will the LUV button be activated again? Or am i out of luck for another 6 months? 

 

Got damn cap1 is incredibly stingy. 

Message 1 of 6
5 REPLIES 5
morgacj2004
Valued Contributor

Re: Cap1 finally showed some luv however.

Wait a couple of weeks and then hit the luv button. Their offer should have increased. At least that is what always has worked for me.


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 2 of 6
OmarGB9
Community Leader
Super Contributor

Re: Cap1 finally showed some luv however.

Yea just wait a little longer and try again.

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 3 of 6
bodyboy1
Established Contributor

Re: Cap1 finally showed some luv however.

> Ok Mr Dre>  here We go!>>>    1st<  Capital One is Not stingy..  in fact they are very Generous.    if you listen Maybe you will learn something,  wait a couple of weeks..   & re-Request  > it will be More,    also rotate your cards>   lots of people don't even know that means.    use only your Capital one card for 2/3 months at a time / same as you would cash & Make 2/3 payments a month...   Capital one loves this.   & don't Make the Mistake of Comparing Discover to Capital one.
@Anonymous wrote:

Had the card for almost a year and a half. Got a CLI of 2k after 6 months, never got anything after. Would hit luv every couple days sometimes going a few weeks without hitting it. Always got spending too low message, even when i put a ton of swipes on it.

 

Today i hit it finally saw a CLI, $750. Pretty low, considering all the luv Disc been giving me, in fact i got 2 day message with disc right now after my $400+ statement cut and a ton of swipes. So im anticipating i will go from $18k to $20k+ in the very near future.

 

Anyway i rejected their offer, i dont see the point in taking souch a low increase. Im trying to get all my cards close or over 10k. I want my file to look good, i want lenders in the future to see i can handle high limit cards and great scores.

 

What are my chances of getting another CLI with a higher amount in the near future? When will the LUV button be activated again? Or am i out of luck for another 6 months? 

 

Got damn cap1 is incredibly stingy. 


 

Amazon 5K. AMEX PRG 35kPOT./AMEX MAG 15k. BARNEYS 28.7k. Banana. BAO. CITI Bestbuy/Bloomies 15k/Diamond/Thanku/Macy's 15k. Chase/Freedom. DiscoveriT 13.5K/Chrome. FRONTGATE 4K. Jetblue 5.7K. JCrew 7k. JCPenney 5k. Ring 10k. Sear's MC 11.3k. SAKS 5K SamsClub 10K. Target MC 8.4k. Walmart 6k. Wayfair 4.8k... be good to yourself!
Message 4 of 6
Anonymous
Not applicable

Re: Cap1 finally showed some luv however.

Which card is this?
Message 5 of 6
Anonymous
Not applicable

Re: Cap1 finally showed some luv however.

Your file is a little thin with only 4 accounts. Your scores are good. Do you have a prequal for a Venture card?  Many times Cap One likes you to upgrade to a new card if you want a higher limit.

 

Plus you can get some good limit cards right now.  Cabelas Visa, Am Ex, Barclay's to name a few.

Message 6 of 6
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