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Capital one CLI

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PufferKing
Valued Member

Capital one CLI

Got a capital one Venture One in August 2024 with a SL of $1000.00 I've been using it like crazy and paying it off what are the chances of requesting a CLI and getting it my balance right now on the card is $35.00. I'm taking a trip this week and wanted to use the card for the rewards. 
I do have other capital one cards with way higher limits. 
Does it hurt anything by requesting CLI with capital one. 

thanks 

 

Message 1 of 18
17 REPLIES 17
Jnbmom
Credit Mentor

Re: Capital one CLI

I would wait 6 months as you just opened it 2 months ago .

EXP 780 EQ 796 TU 810
Message 2 of 18
PufferKing
Valued Member

Re: Capital one CLI

Ok thanks

Message 3 of 18
Snook_on_the_Line
Established Contributor

Re: Capital one CLI

The earliest cli I've gotten from cap1 was at the three month mark.     It was an auto cli from 500 to 1500

 

requesting online or in the app won't hurt anything.      It's a soft pull and the automated system either says yes, or generates some canned reason why it's a no.   

there seems to be no rhyme or reason to it

my last cap1 cli I requested 2500 and it said no 

so an hour later I requested 7500 and they countered with 2500 🤷‍♂️

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 4 of 18
USMCOne
Contributor

Re: Capital one CLI

Can't hurt but odds are no. To soon. You will get a auto response email.

One solution you can also transfer credit limits around from one Capitol One card to another. I have a Venture, a Savor and had a Quicksilver. I never was using my Quicksilver so I transferred the line of credit to my Venture. It let me do all but 500. 

Message 5 of 18
PufferKing
Valued Member

Re: Capital one CLI

Thanks I just tried it and they offered a $100.00 credit limit increase 🤣 I declined it figured I tried back next month.
I think I'll transfer my Walmart card limit to the venture card now that It changed over to athe quick silver card and I already have a quick silver card with a high limit and zero balance. 

Message 6 of 18
JSUB
Regular Contributor

Re: Capital one CLI

Go for it. I got the Saviior One in May. I requested and received a CLI in July. 
Nothing Ventured X nothing gained. 

Message 7 of 18
PufferKing
Valued Member

Re: Capital one CLI

I did try and they offered me a $100 CLI I turned it down and will try again later. 

Message 8 of 18
FicoMike0
Valued Contributor

Re: Capital one CLI

I never turn their offers down. I always ask for 2X. I've gone from $2000 to $2500 to $2900 to $3200 in 18 months. I seldom change more than $30 to it. I'd probably close the qs, but I sometimes like one of their offers. I think I'll pc it to savor.

Message 9 of 18
Yoshi1981
Regular Contributor

Re: Capital one CLI


@PufferKing wrote:

I did try and they offered me a $100 CLI I turned it down and will try again later. 


@PufferKing Good luck bc that strategy never worked for me. Once the $100 specials started they didn't stop whether I declined and came back later or not. 


FICO 8: EQ 712 | EX 711 | TU 706
Discover $10k (AU) | Wayfair $4.5k | AAA Daily Advantage $4.2k | Citizens Bank Cash Back+ | USB Altitude Connect $2k | Target $1k
Message 10 of 18
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