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Capital One CLI Denial (Lack of Activity)

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Anonymous
Not applicable
‎03-20-2015 06:49 PM
‎03-20-2015 06:49 PM

Capital One CLI Denial (Lack of Activity)

I have their rewards mastercard and journey (now updated to quicksilver). Have had both since early 2013, every time I ask for CLI they say my acitvity is too low.

 

 

What exactly do they want? Besides maxing them out.

 

Amex, Discover, and Citi easily give me CLI with minimal use.

Message 1 of 12
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11 REPLIES 11
Anonymous
Not applicable
‎03-20-2015 06:51 PM
‎03-20-2015 06:51 PM

Re: Capital One CLI Denial (Lack of Activity)

@Anonymous wrote:

I have their rewards mastercard and journey (now updated to quicksilver). Have had both since early 2013, every time I ask for CLI they say my acitvity is too low.

 

 

What exactly do they want? Besides maxing them out.

 

Amex, Discover, and Citi easily give me CLI with minimal use.

Besides that? Paying large payments. Enough to wipe most of your debt clean, But not enough to deprive them of residual interest.

Message 2 of 12
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Anonymous
Not applicable
‎03-20-2015 06:58 PM
‎03-20-2015 06:58 PM

Re: Capital One CLI Denial (Lack of Activity)

I meant I WILL NOT max them out. lol I was teasing capital one for saying I don't use their cards enough, I'll jokingly do the opposite and max them out.

Message 3 of 12
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Anonymous
Not applicable
‎03-20-2015 07:04 PM
‎03-20-2015 07:04 PM

Re: Capital One CLI Denial (Lack of Activity)

@Anonymous wrote:

I meant I WILL NOT max them out. lol I was teasing capital one for saying I don't use their cards enough, I'll jokingly do the opposite and max them out.

That's exactly the point though. They want you to max their card out before the statement cut.

Message 4 of 12
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gdale6
Moderator Emeritus
‎03-20-2015 07:46 PM
‎03-20-2015 07:46 PM

Re: Capital One CLI Denial (Lack of Activity)

You have to have activity in at least 3 months of the last 12.

Message 5 of 12
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Anonymous
Not applicable
‎03-21-2015 07:20 PM
‎03-21-2015 07:20 PM

Re: Capital One CLI Denial (Lack of Activity)

They have such crappy rewards, I don't know if I can justify using them so much for 3 months.

 

Thanks.

Message 6 of 12
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Anonymous
Not applicable
‎03-21-2015 07:30 PM
‎03-21-2015 07:30 PM

Re: Capital One CLI Denial (Lack of Activity)

If they are soo crappy then why bother with the cli?

Message 7 of 12
Anonymous
Not applicable
‎03-22-2015 06:59 AM
‎03-22-2015 06:59 AM

Re: Capital One CLI Denial (Lack of Activity)

@Anonymous wrote:

If they are soo crappy then why bother with the cli?

Exactly.   So OP if I am reading you correctly, you want to use Capital One's capital(no pun intended) but you do not wish to use the card?  You want them to increase your available credit, I guess to better optimize your utilization without the benefit of them making money off of that extended credit?  Hmm.  

Well, you got their answer, they want you to use their card in order to reap the benefits. 

Message 8 of 12
Anonymous
Not applicable
‎03-22-2015 11:35 AM
‎03-22-2015 11:35 AM

Re: Capital One CLI Denial (Lack of Activity)

Lol
Message 9 of 12
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Anonymous
Not applicable
‎03-23-2015 02:49 PM
‎03-23-2015 02:49 PM

Re: Capital One CLI Denial (Lack of Activity)

Ever heard of credit utilization ratio?

Message 10 of 12
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