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Capital One CLI Reconsideration Line?

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nomadic_triathlete
Established Member

Capital One CLI Reconsideration Line?

Is there a Cap 1 number to get a CLI request reconsidered?  I was denied when I did the CLI request online and the letter referenced a 2 month old credit report. Since then my balance information and score has changed for the better.  Score is 50 points higher on my credit report and my usage is about 10 percent of total credit.  

Message 1 of 14
13 REPLIES 13
Jeffster1
Valued Contributor

Re: Capital One CLI Reconsideration Line?

To my knowledge, Cap One does not do recons. They are forgiving yet inflexible at the same time.

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
Message 2 of 14
Pway
Valued Contributor

Re: Capital One CLI Reconsideration Line?


@Jeffster1 wrote:

To my knowledge, Cap One does not do recons. They are forgiving yet inflexible at the same time.T


 This is correct info.  Capital One does not do recons.  

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 3 of 14
Lou-natic
Established Contributor

Re: Capital One CLI Reconsideration Line?

Just do what the rest of us do...anytime you're bored log in and ask Cap1 for a CLI. It's a game we play to keep amused.




8/22/24
3/09/25
Message 4 of 14
OmarGB9
Community Leader
Super Contributor

Re: Capital One CLI Reconsideration Line?

Unfortunately no recons as others have said. It's all automated with Cap One.


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 5 of 14
JasonK94Z
Valued Member

Re: Capital One CLI Reconsideration Line?

Does cap1 perform a soft pull only for CLI? 

Message 6 of 14
OmarGB9
Community Leader
Super Contributor

Re: Capital One CLI Reconsideration Line?

Yes. And it's unfortunately always a couple of months behind. No way to manually "force" them to update it.


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 7 of 14
Wilburtheman
Member

Re: Capital One CLI Reconsideration Line?

It was easier getting my wisdom teeth pulled than it was getting an increase with capital one. 

seems like if their computer says no, that's the only option. 

they still serve a purpose so not bashing capital one but credit increases seem hard to get with them 

Message 8 of 14
Jeffster1
Valued Contributor

Re: Capital One CLI Reconsideration Line?

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FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
Message 9 of 14
blazerein
Established Contributor

Re: Capital One CLI Reconsideration Line?


@Lou-natic wrote:

Just do what the rest of us do...anytime you're bored log in and ask Cap1 for a CLI. It's a game we play to keep amused.


LOL - That's ME! 

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 10 of 14
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