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Capital one CLI question

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Deeyarht948
Contributor

Capital one CLI question

I have a Capital One Savor card and my last credit limit increase was $200 about six months ago they are again offer me $250 credit limit increase should I take it Or wait for them to give me a higher one what do you guys think

Message 1 of 7
6 REPLIES 6
tcbofade
Super Contributor

Re: Capital one CLI question

As stingy as they are with CLIs, I would take it.

 

Good luck!

Fico 8 6/01/25: EX 798, EQ 807, TU 793.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 7
HeavenOhio
Senior Contributor

Re: Capital one CLI question

@Deeyarht948, what's your current limit? How much do you spend on the card?

Message 3 of 7
Deeyarht948
Contributor

Re: Capital one CLI question

My current limit is 2400 and I spend an average of 1000 bucks a month on it

Message 4 of 7
SUPERSQUID
Valued Contributor

Re: Capital one CLI question


@Deeyarht948 wrote:

I have a Capital One Savor card and my last credit limit increase was $200 about six months ago they are again offer me $250 credit limit increase should I take it Or wait for them to give me a higher one what do you guys think


200 or 250 cli on savor one is a bonanza, last cli on my savor one was 100 bucks

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 5 of 7
OmarGB9
Community Leader
Super Contributor

Re: Capital one CLI question


@Deeyarht948 wrote:

My current limit is 2400 and I spend an average of 1000 bucks a month on it


If you're not even reaching 50% utilization, it'll be hard to get a large CLI.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 7
GatorGuy
Valued Contributor

Re: Capital one CLI question

Turning down a CLI I can't imagine is a good plan to get a larger increase later. 

Message 7 of 7
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