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Capital One CLI after approval

JeffBuildsPc
Established Member

Capital One CLI after approval

I recently applied and got approved for the Capital One Venture card with a $5,000 SL. Has anyone managed to call recon and have their SL increased immediately after approval?




Message 1 of 6
5 REPLIES 5
Jnbmom
Community Leader
Super Contributor

Re: Capital One CLI after approval


@JeffBuildsPc wrote:

I recently applied and got approved for the Capital One Venture card with a $5,000 SL. Has anyone managed to call recon and have their SL increased immediately after approval?


I doubt it, cap one doesn't work like that their CSR have ZERO power, everything is computer generated.

EXP 778 TU790 EQ 752
Message 2 of 6
JeffBuildsPc
Established Member

Re: Capital One CLI after approval


@Jnbmom wrote:

@JeffBuildsPc wrote:

I recently applied and got approved for the Capital One Venture card with a $5,000 SL. Has anyone managed to call recon and have their SL increased immediately after approval?


I doubt it, cap one doesn't work like that their CSR have ZERO power, everything is computer generated.


No credit analyst?




Message 3 of 6
bettercreditguy1
Established Contributor

Re: Capital One CLI after approval

Some credit card issuers use the CSR to imput your information in a computer. The CSR has virtually no power to change the outcome. My suggestion would be to use the card for several months so that internally the cc company can see your spend and payment patterns. They all like to see History, not numbers.

 

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 4 of 6
FinStar
Moderator

Re: Capital One CLI after approval


@JeffBuildsPc wrote:

@Jnbmom wrote:

@JeffBuildsPc wrote:

I recently applied and got approved for the Capital One Venture card with a $5,000 SL. Has anyone managed to call recon and have their SL increased immediately after approval?


I doubt it, cap one doesn't work like that their CSR have ZERO power, everything is computer generated.


No credit analyst?


Correct.  No UW analyst that you can speak to, unfortunately. 

 

As mentioned upthread, Capital One's CC lending decisions are automated and they don't reconsider the approved SL.  Whatever the computer spits out is the assigned SL.

 

I would recommend using the card quite a bit to see if it can potentially qualify for a CLI at some point. 

Message 5 of 6
JeffBuildsPc
Established Member

Re: Capital One CLI after approval

Thanks for all the feedback! I'll just use the card more and do another CLI in May




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