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Capital One Walmart MC CLI?

SilverSmith
Established Contributor

Capital One Walmart MC CLI?

Anyone receive a CLI on their Cap One Walmart MC yet? Haven't seen too much talk of this and was wondering.




~Is it 2023 yet?~
21 REPLIES 21
OmarGB9
Community Leader
Super Contributor

Re: Capital One Walmart MC CLI?

Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 22
Steveo777
New Contributor

Re: Capital One Walmart MC CLI?

I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.

BK7 Discharged 08/2021 Household Income 95k
Scores: Fico9 Equifax 663 | TU 694 | Experian 628 Vantage 3.0 TU 737 | EQ 726
Cards:
Tri-CU $3k
Capital One Quicksilver One $3K
Mercury Master Card $3k
Upgrade Visa $10k
NFCU nRewards Visa (secured) $600
Alphaeon Card $3600
Dell Preferred $4500
WM Mastercard $1000
Credit One AMEX $1000
Kohl's $800
Message 3 of 22
SilverSmith
Established Contributor

Re: Capital One Walmart MC CLI?


@OmarGB9 wrote:

Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.


Ive only had one other co-branded Cap One card which was the Saks First that they recently took over.  3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Smiley Happy Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards. 




~Is it 2023 yet?~
Message 4 of 22
FinStar
Moderator

Re: Capital One Walmart MC CLI?


@SilverSmith wrote:

@OmarGB9 wrote:

Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.


Ive only had one other co-branded Cap One card which was the Saks First that they recently took over.  3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Smiley Happy Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards. 


Capital One took over the Saks, NM/BG and Menards CC portfolios a long time ago, not recently. In the past, these were with HSBC.  The only thing that was done recently was integrate their web portals into a single platform with the main Capital One website.  As far as CLIs, they still follow similar guidelines as they did with HSBC (even with the transitioned websites). I haven't noticed anything different as far as outcomes with NM or Menards either.

Message 5 of 22
SilverSmith
Established Contributor

Re: Capital One Walmart MC CLI?

@FinStarRecently meaning figuratively speaking. Define "Long" Smiley Very Happy I received notice for Saks this year I "believe". I remember having to previously "Call in" to CS for CLI request which always ended in a Denial. Cap One has a Luv button.




~Is it 2023 yet?~
Message 6 of 22
FinStar
Moderator

Re: Capital One Walmart MC CLI?


@SilverSmith wrote:

@FinStarRecently meaning figuratively speaking. Define "Long" Smiley Very Happy I received notice for Saks this year I "believe". I remember having to previously "Call in" to CS for CLI request which always ended in a Denial. Cap One has a Luv button.


You're right, I suppose "long" can be subjective 😉

 

But, yes, in the past before all PLCCs were integrated into the main Capital One website, one would have to call in for CLIs, which was the same for the other legacy PLCCs such as NM/BG, Menards, etc.  Cabela's and the GM BuyPower card were the first accounts to be integrated into one platform like the others, which has made it a lot easier to manage them on a single portal vs multiple ones.

Message 7 of 22
SUPERSQUID
Frequent Contributor

Re: Capital One Walmart MC CLI?


@Steveo777 wrote:

I recently got approved for a WM MC with a $1k starting limit. I have been using it for every purchase at Sam's and WM, even gas, then paying in full. I'm gonna keep swiping and paying off and see how it works out. I'm not even gonna ask for a CLI, just to avoid the hard pulls. If it grows automatically, so be it.


I wasnt aware you can use the wm card at sams club too. Do you have to use the walmart pay app at sams club?

Can you use the wm card at sams club fuel stations for 5 percent off on gas?

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor one 3k /fingerhut 1950/ comenity rewards mc 1k
Message 8 of 22
SUPERSQUID
Frequent Contributor

Re: Capital One Walmart MC CLI?


@FinStar wrote:

@SilverSmith wrote:

@OmarGB9 wrote:

Being that the Walmart card is now serviced by Cap One, it means getting CLIs is like pulling teeth, since Cap One is notorious for no/small CLIs.


Ive only had one other co-branded Cap One card which was the Saks First that they recently took over.  3x CLI Luv button once they completed the switch. I was shocked. Previously denied on every attempt since I acquired the card a couple years back. The CLI could have just been the honeymoon phase Smiley Happy Time will tell. Hoping it's a sign of a different UW algo than their Legacy cards. 


Capital One took over the Saks, NM/BG and Menards CC portfolios a long time ago, not recently. In the past, these were with HSBC.  The only thing that was done recently was integrate their web portals into a single platform with the main Capital One website.  As far as CLIs, they still follow similar guidelines as they did with HSBC (even with the transitioned websites). I haven't noticed anything different as far as outcomes with NM or Menards either.


Why is the kohls cobranded card faily easy to get cli's with and the wm not? both are cap 1

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor one 3k /fingerhut 1950/ comenity rewards mc 1k
Message 9 of 22
Beast26
Frequent Contributor

Re: Capital One Walmart MC CLI?

Yes I have gotten an auto CLI with my Walmart MasterCard.  I got it in April with a $2,000 credit line.  I tried to get an increase around September but was denied.  In October they auto CLI'd me $500 taking me to a $2,500 credit line.  I average about $200-300/month spend on mine.





Revolving history: 1 year 7 months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Fingerhut $500
Quicksilver $600
Discover It Miles $17,500
Chase Freedom Flex $3,200
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $6,000

Message 10 of 22
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