Capital One CLI Rules

[KA14]

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.

Is there a CLI max? Any tips to maximize CLI amount?

Any advice is appreciated. Thanks!

[FinStar]

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@KA14 wrote:

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.  6 months from the last approved increase.

Is there a CLI max? No, the computer will decide.  Any tips to maximize CLI amount?  Peridoic usage.  Lots of it - rinse & repeat.

Any advice is appreciated. Thanks!

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See above responses.

[KA14]

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@FinStar wrote:

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@KA14 wrote:

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.  6 months from the last approved increase.

Is there a CLI max? No, the computer will decide.  Any tips to maximize CLI amount?  Peridoic usage.  Lots of it - rinse & repeat.

Any advice is appreciated. Thanks!

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See above responses.

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Please accept my apology, I don't mean to be dense. Would that mean I am eligible for a CLI on October 1st? Or October 2nd?

Thanks again. I appreciate your response.

[FinStar]

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@KA14 wrote:

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@FinStar wrote:

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@KA14 wrote:

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.  6 months from the last approved increase.

Is there a CLI max? No, the computer will decide.  Any tips to maximize CLI amount?  Peridoic usage.  Lots of it - rinse & repeat.

Any advice is appreciated. Thanks!

---

See above responses.

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Please accept my apology, I don't mean to be dense. Would that mean I am eligible for a CLI on October 1st? Or October 2nd?

Thanks again. I appreciate your response.

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No worries, it's all good!  So, in my experience, I always give it a few days just to make sure the request isn't premature (plus a couple days give or take isn't going to hurt anything).  So, you can try the request on 10/2 (or 10/3) for good measure... so in about 12 days from now.

[KA14]

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@FinStar wrote:

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@KA14 wrote:

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@FinStar wrote:

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@KA14 wrote:

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.  6 months from the last approved increase.

Is there a CLI max? No, the computer will decide.  Any tips to maximize CLI amount?  Peridoic usage.  Lots of it - rinse & repeat.

Any advice is appreciated. Thanks!

---

See above responses.

---

Please accept my apology, I don't mean to be dense. Would that mean I am eligible for a CLI on October 1st? Or October 2nd?

Thanks again. I appreciate your response.

---

No worries, it's all good!  So, in my experience, I always give it a few days just to make sure the request isn't premature (plus a couple days give or take isn't going to hurt anything).  So, you can try the request on 10/2 (or 10/3) for good measure... so in about 12 days from now.

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Perfect! Thanks again. =)

[Bippy_33]

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@KA14 wrote:

It's my understanding that Capital One has a 6 month rule for CLIs. Is that 181 days, 6 statements, or 6 months-date to date? My last CLI was 4/1/21.

Is there a CLI max? Any tips to maximize CLI amount?

Any advice is appreciated. Thanks!

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@KA14  My account is only 4 months old and I gave it the old college try 2 days ago and the message I got was >>>> Your account is too new !!!

[Horseshoez]

@Bippy_33, I opened my CapOne card back in December and then asked for a CLI in May, if for no other reason than to see what might happen; they bumped me from $3,000 to $3,300.  No worries, I didn't need the CLI so I was fine with it.  Back in August my son's truck needed an entire new rear axle, differential and all, and a remanufactured unit cost just over $3,400 installed; yeah, Murphy's Law strikes again.

I asked for a CLI for a "one-time expense" and was denied due to how recent my previous CLI was.  Annoying.  In the end I put the charge on my TDCash card which paid rewards of about $17.00 less than what I would have gotten on my Quicksilver card.  At this point I'm not planning on poking the bear again any time soon, so either they'll auto-CLI me some time next year or they won't; I honestly don't care either way. 

[Bippy_33]

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@Horseshoez wrote:

@Bippy_33, I opened my CapOne card back in December and then asked for a CLI in May, if for no other reason than to see what might happen; they bumped me from $3,000 to $3,300.  No worries, I didn't need the CLI so I was fine with it.  Back in August my son's truck needed an entire new rear axle, differential and all, and a remanufactured unit cost just over $3,400 installed; yeah, Murphy's Law strikes again.

I asked for a CLI for a "one-time expense" and was denied due to how recent my previous CLI was.  Annoying.  In the end I put the charge on my TDCash card which paid rewards of about $17.00 less than what I would have gotten on my Quicksilver card.  At this point I'm not planning on poking the bear again any time soon, so either they'll auto-CLI me some time next year or they won't; I honestly don't care either way. 

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@Horseshoez  I pretty much knew that you have to have your account open 6 months before they'll consider a cli but, since they PC my platinum to Quicksilver in under 4 months I figured I'd give it a try so, no worries in the end because I had a good idea that it would be shot down anyway.

[Anonymous]

What FinStar said. You have run a lot of transactions and pay above minimum constantly. It is the system that decides and the computer service reps wouldn't able to help you once the system decided.