CapOne CLI Question

[Anonymous]

How strict are they on the 6 months timing? Does it need to be 180 or 181? Can it be a few days early if your Statement cuts?

For instance I have written down my last CLI with them was 08/09/2016. That means I am due 02/09/17 if you do it by date, but 180 or 181 days is 02/05/16 or 02/06/17.

My statement cut today though so I was thinking maybe they do the computer entry to tell it to approve the CLI on the statement date?

Does anyone know the specifics?

TIA and hope this makes sense

[Anonymous]

I think it is a fairly strict 181 days. Good thing with Cap1 though, it won't hurt to try early. Will just be a SP and you can every day if you'd like. It will not 'reset' your timing to try again

[MrsCHX]

Strict 6 months. Wait until day 181 to be safe. 

PS I'm in the same boat. Credit steps CLI was 8/9/16. I'm just going to play it safe and wait until after my statement cuts on 2/9.

PSS you CAN ask anytime because it is a soft pull. But you will be denied (guaranteed) if it hasn't been 6 months since your last request.

[Anonymous]

Well I'll try on the 6th then as that will be 181 days. If denied I'll try the 7th and if that is denied I guess they don't want to give me my usual $150-$250 increase. Lol. Unfortunately I am not kidding. Even with my other higher limit cards they don't like me or are still treating it like it was a $500 card. Maybe they will surprise me this time. If not I may have to close it.

[Scupra]

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@Anonymous wrote:
Well I'll try on the 6th then as that will be 181 days. If denied I'll try the 7th and if that is denied I guess they don't want to give me my usual $150-$250 increase. Lol. Unfortunately I am not kidding. Even with my other higher limit cards they don't like me or are still treating it like it was a $500 card. Maybe they will surprise me this time. If not I may have to close it.

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How much/often do you use the card? I have noticed the more I use a Cap1 card, the bigger the CLI is

[Anonymous]

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@Anonymous wrote:
Well I'll try on the 6th then as that will be 181 days. If denied I'll try the 7th and if that is denied I guess they don't want to give me my usual $150-$250 increase. Lol. Unfortunately I am not kidding. Even with my other higher limit cards they don't like me or are still treating it like it was a $500 card. Maybe they will surprise me this time. If not I may have to close it.

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If you get a denial, you will get a letter a day or two later (if you get estatements, you can see the Doc they send the next day). If it says, 'you recently received a CLI' you'll know you are too early. If another reason is given other than being early, you'll know why they won't budge.

On my two Cap1 cards I received CLIs shortly after opening, and then again with credit steps, but they have not budged since then. It's been almost a year since last CLI

[Anonymous]

I just used my statement date I got my last cli (august 5) + 181 and added 2k to mine a minute ago.

[DeeBee78]

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@Anonymous wrote:
How strict are they on the 6 months timing? Does it need to be 180 or 181? Can it be a few days early if your Statement cuts?

For instance I have written down my last CLI with them was 08/09/2016. That means I am due 02/09/17 if you do it by date, but 180 or 181 days is 02/05/16 or 02/06/17.

My statement cut today though so I was thinking maybe they do the computer entry to tell it to approve the CLI on the statement date?

Does anyone know the specifics?

TIA and hope this makes sense

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Take the date of your last CLI and add 181 days to it, using wolfram alpha

[UncleB]

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@DeeBee78 wrote:

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@Anonymous wrote:
How strict are they on the 6 months timing? Does it need to be 180 or 181? Can it be a few days early if your Statement cuts?

For instance I have written down my last CLI with them was 08/09/2016. That means I am due 02/09/17 if you do it by date, but 180 or 181 days is 02/05/16 or 02/06/17.

My statement cut today though so I was thinking maybe they do the computer entry to tell it to approve the CLI on the statement date?

Does anyone know the specifics?

TIA and hope this makes sense

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Take the date of your last CLI and add 181 days to it, using wolfram alpha

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I'll have to check that out. 

Here's the site I use:  https://www.timeanddate.com/date/dateadd.html

[Anonymous]

Both of those sites are cool. Thx for all the replies. I'll try on the 6th (Monday)