Capital One QS Early CLI Request

[SunriseEarth]

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@Anonymous wrote:

When I applied for Capital 1's card, they started me off with a PC then change me over to a QS. I am not sure of the difference. I began with a $300.00 CL. I was told that I was "possibly" eligible for an increase after 3 statements. With today being the closing of the 4th statement, I decided to try for a CLI. I went online, filled out the questionnaire and then it stated it would reply to my request in 2-3 business days. Do you thing I prematurely requested a CLI? Why do they need 2-3 days to figure out if I am eligible or not. I've always paid on time.

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I've tried more than a few times and that LUV button will not work prior to 6 months from the last CLI.     If you need a CLI, you would have to contact the EO and request a manual CLI review.  

[waters]

I believe the 2-3 day message is same as the 7-10 but for people with paperless statements.. So u will get the letter online not via mail.


However. You can get a cli before 6 months. I have gotten two in my first 5 months.. About to hit my 6th statement later this month.

I recommend contacting EO

[Anonymous]

I just got that denial, 2-3 days.  Somehow I was lured into trying to CLI my AMEX and Cap One cards about 50-60 days after getting decent increases.  Rejections on both, but i just haven't received Amex's in the mail yet.  The CSR for American Express said it would be fine for me to try, I should have checked here first.  Cap 1's reason was "recent credit line change"  The only silver lining for me is that it's soft pulls for both i'm pretty sure.

EDIT:  Hmmm, maybe it was closer to 80 days after my last cli, I forget.

[Anonymous]

You were right, they said it wasnt six month yet. I will see if they automatically give me a cli when the time comes. *Back to gardening I go.

[waters]

Ugh capital one isn't chase or citi etc that HP... U will never again get another credit pull.


I recommend you contact EO and get a cli. Also press that cli button every two months.

[mattmyFIC0]

Thought this might help someone out in the future...

I have the Capital One Quicksilver One mastercard which I opened in mid June, 2015 with a limit of $2,000. I spent a little bit here and there the first couple of months and always paid more than the minimum due. I tried the luv button several times and always got the 2-3 day message and then a denial because the account was too new.

I decided two weeks ago to start putting more on the card and making several payments. I put $1,000 through the card and made 3 different payments all within these last two weeks which got the card down to about $500. Tried the luv button last night and got an increase of $1,350!

I think they want to see you spend more than normal and then pay it down and make extra payments so that they know you can handle a bigger credit line and bigger payments. I am still on the credit steps program so I should see another increase in a few months. I got this CLI with only two statements. I think if the account is at least three months old and you put a decent amount through it and make large payments you are more eligible for a CLI.

[xautodetail]

Sorry i have my CLI at the 3r closet statement yes you can have CLI maybe i lock

Ok update i hit the LOV button on my spark business car BOOM 1000 LI on my 2do closet statement  love Capital One and my QS1 my 5 Statement is closet in 7 days let see how much CLI