cancel
Showing results for 
Search instead for 
Did you mean: 

Capital One CLI- *Raspberry* LOL

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Valued Contributor

Capital One CLI- *Raspberry* LOL

Hello my Fico Friends..

I have this Quicksilver card with a limit that messes with my slight OCD $4750. 

I requested a cli, it went to 2 days review and declined: "The usage on this card has been too low"  Facepalm.gif

 

You mean they actually want me to use the card? Tongue Raspberry.gif

It's my own fault, I barely use it- so I know, I need to swipe, swipe, swipe it and then ask again in 60-90 days but still.

You'd think they could throw me a $250 increase geeze. 

 

I guess the denial reason could've been worse but honestly, it's circular reasoning.. I don't use the card because at $475, it's at 10% uti, I PIF but if I miss and it reports- well... They don't want to increase because I don't use it.. 

Just wanted to share my frustration.. Feel free to vent your own.

Have a lovely day.. aaa Dreaming.gif

 




Message 1 of 15
14 REPLIES 14
Valued Contributor

Re: Capital One CLI- *Raspberry* LOL

No worries you're not alone, I'm also a proud member of the Low Usage Club, member since June 2017.
Message 2 of 15
Valued Contributor

Re: Capital One CLI- *Raspberry* LOL


@oldman87 wrote:
No worries you're not alone, I'm also a proud member of the Low Usage Club, member since June 2017.

Thank you! At least I'm not alone.. 0You'reTheBest.gif

Perhaps we need a new club. LOL 




Message 3 of 15
Moderator

Re: Capital One CLI- *Raspberry* LOL

I think you answered your own question 😁 Use it!

I bet if you start putting some moderate spend (upwards of $2K or more) on a consistent basis then it would likely budge 😊

Alternatively, to tackle the "OCD" piece, you could "CLD" to $4,700 so it doesn't leave that $50 dangling out there.
Message 4 of 15
Valued Contributor

Re: Capital One CLI- *Raspberry* LOL


@Pikaboo-icu wrote:

@oldman87 wrote:
No worries you're not alone, I'm also a proud member of the Low Usage Club, member since June 2017.

Thank you! At least I'm not alone.. 0You'reTheBest.gif

Perhaps we need a new club. LOL 


Well, there is always the Not Enough Experience Club at Discover if you need a change of scenery. Smiley Tongue

Message 5 of 15
Valued Contributor

Re: Capital One CLI- *Raspberry* LOL

@ Finstar- Do they really do that? I might have to call them lol. 

 


@oldman87 wrote:

@Pikaboo-icu wrote:

@oldman87 wrote:
No worries you're not alone, I'm also a proud member of the Low Usage Club, member since June 2017.

Thank you! At least I'm not alone.. 0You'reTheBest.gif

Perhaps we need a new club. LOL 


Well, there is always the Not Enough Experience Club at Discover if you need a change of scenery. Smiley Tongue


Ahh yes, I have membership in that one already. AAsmileysnicker.gif




Message 6 of 15
Senior Contributor

Re: Capital One CLI- *Raspberry* LOL

I’m a card-carrying member of both of those clubs. I’m hoping not to become a member of the “no 3x AmEx for you” club in January also. Too many clubs to keep track of...


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 7 of 15
Valued Contributor

Re: Capital One CLI- *Raspberry* LOL


@Pikaboo-icu wrote:

Hello my Fico Friends..

I have this Quicksilver card with a limit that messes with my slight OCD $4750. 

I requested a cli, it went to 2 days review and declined: "The usage on this card has been too low"  Facepalm.gif

  


Ahhh....I've been there before..... the good old "usage has been too low" denial reason...Well, I guess you'll just have to "Charge It" To Da Game!  LITERALLY Smiley HappySmiley Wink  No, seriously, start charging it!!Smiley Very Happy..

                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 8 of 15
Senior Contributor

Re: Capital One CLI- *Raspberry* LOL

That being said I’ll keep my QS open, put the iTunes-related billing on it and get AU cards for my 15 year old daughter and 14 year old son. Give them the cards if they’re going out with friends to a movie or something along with a spending limit and just let it keep on doing its thing.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 9 of 15
Community Leader
Super Contributor

Re: Capital One CLI- *Raspberry* LOL

I belong to...

Discover's " We dont count Hulk Smashing as a valid form of credit card use" club....

Citi's " Try our SP language for 18 months and we will give you 18 months NO CLI at 0% apr " club

Amex"s " We cannot give you increase within 6 months of a previous one but you may try the never ending 6 month loop to see if our reply ever changes" club

Boa's " One soup, one flavor, one limit, one card for life" club

.Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.