Capital One CLI - worth it?

[Anonymous]

Hey all! I've had my most recent cap 1 QS1 for 60 days. Just out of curiosity I hit CLI and they offered $100. My SL was o my 1k and I spend about 2.5k on it. Only reported like $25 the first month and 0 the second. Is that worth accepting or should I hold off for another month or two and try again? The AR they used was from June as that's the last one reported. Thanks y'all!

[Red1Blue]

Any CLI you get is a CLI. I would take it. Just make sure there is no hard inq for the credit limit increase.

[mrcraft]

I'd take it.  You can ask again in 6 months.

I had a QS1 card with a starting limit of $1,000 too.  My first CLI around 2 months was $100.  My second CLI after 6 months was $400.  My third CLI at one year was $2,000.  Then, I converted to VentureOne because I didn't want to keep paying the annual fee.  My spend was probably around yours with multiple payments per month.

[AverageJoesCredit]

Your call. $100 isnt a make or break cli but Cap One cli is amongst the hardest to get. With the Pandemic, i wouldnt expect much from a lender who is currently reducing limits. 

[Anonymous]

Good point. I'll accept and hope for the same love that @mrcraft got. Thanks for the advice all!