cancel
Showing results for 
Search instead for 
Did you mean: 

Capital one

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Member

Capital one

is Capital one just not giving out credit lime increases anymore....this is ridicolous
Message 1 of 61
60 REPLIES 60
Regular Contributor

Re: Capital one

Really in what way?

 

 

I looked back so far on this month and are 3 threads of people having a CLI from Capital One.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Quick-Silver-Auto-CLI-6-000-to-10...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Cap-One-random-CLI-on-what-I-thought-was-a-bu...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-PC-or-CLI-UPDATE-100-CLI/td-p/560...

 

Michigan Schools & Gov't Credit Union Classic Visa Card | $3kDiscover Student Cash Back | $2300Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $2kBest Buy Store Card | $3k

July 2018
Ford Credit Loan $199.26/month (3 yrs)
January 2019
Discover Cash it Card $500
Michigan Schools and Gov't CU Card $1,000
February 2019
Self Lender Loan (Closed July 2019)
May 2019
Discover CLI $1.2k
July 2019
Discover System CLI $600
Amex $2,000
Best Buy Store Card $3,000
October 2019
MSGCU CLI $2k

Eyes on Credit Cards
BoA Cash Rewards (with or without Student Verison)Gas Card with 5% Cashback w/ no AF2% Cashback EverythingDining & Entertainment Category Card
Message 2 of 61
Super Contributor

Re: Capital one

When did they start cause my 4 or 5 cap1 cards didn't get the memo








***AD SPACE AVAILABLE***
Message 3 of 61
Valued Contributor

Re: Capital one

Current limit?

Spend per month?

Fico scores?

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                   5%-20% - Amazon & Lowes                6% Groceries - Amex Preferred (DW)
5% Gas & Sporting - Ducks Unl         4% Dining & Entertain - Savor           3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver




    
Message 4 of 61
Frequent Contributor

Re: Capital one

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 5 of 61
Valued Contributor

Re: Capital one


@FenderGuy wrote:

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs


Not really fair to compare low fico score cards to high fico score cards.

 

I went from a single $3,000 card to $85,000 available on 3 cards from Cap One without a single inquiry still on my credit report.

 

Yes, they bucket.  But often those bucket cards are cards that would have not even been issued by other banks.

 

Not that many cards that are better than Savor with a $30,000 limit and a $500 sub.

 

It is easy to dump on Cap One by grouping all their card offerings together for data points.

 

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                   5%-20% - Amazon & Lowes                6% Groceries - Amex Preferred (DW)
5% Gas & Sporting - Ducks Unl         4% Dining & Entertain - Savor           3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver




    
Message 6 of 61
Community Leader
Valued Contributor

Re: Capital one

Cap is SO unpredictable with CLIs lol. Don’t give up
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 61
Frequent Contributor

Re: Capital one


@Shooting-For-800 wrote:

@FenderGuy wrote:

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs


Not really fair to compare low fico score cards to high fico score cards.

 

I went from a single $3,000 card to $85,000 available on 3 cards from Cap One without a single inquiry still on my credit report.

 

Yes, they bucket.  But often those bucket cards are cards that would have not even been issued by other banks.

 

Not that many cards that are better than Savor with a $30,000 limit and a $500 sub.

 

It is easy to dump on Cap One by grouping all their card offerings together for data points.

 

I think it is, since there are many on the boards who had low fico scores and were bucketed into cards and somehow grow those cards over time to higher CLIs in less time than others. Like I said in my post for everyone that gets a CLI, others dont. From personal experience with CAP1 thats my OP...

 

 


 

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 8 of 61
Highlighted
Contributor

Re: Capital one

I've burned Cap 1 twice in the past, and they still gave me a shot at rebuilding.

I don't plan on doing that again, and firmly believe as my profile strengthens that they will reward me in the future.

I say hang in there with Cap 1.....

8/1/2018 FICO Scores:

7/12/2019 FICO Scores:
Message 9 of 61
Contributor

Re: Capital one

Does Cap One SP off their own Creditwise Vantagescore 3.0 number? Cuz, ... that score is EVERYWHERE! Credit Sesame, Credit Karma, Nerdwallet, Lendingtree, ...
It makes me wonder if they even consider your real TU FICO 8 anymore unless it's a HP. 🤔
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of March 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred
Am Ex Blue Everyday
Marriott Bonvoy or Visa Sig and Hyatt Visa Card (DONE! SPG Business, baby!!!)
A Viaso card (all for Japanese travel)
And to open a High Yield Savings and CD investment, and maybe look into ETFs. (DONE! ALL!)


Citi Rewards+ - $14000, Citi DC - $11000, Nordstrom VS - $5000, Discover IT - $14700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $3800, Wayfair - $4900, Simply Be - $1200, Lane Bryant Platinum - $1900, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $750, Paypal MC - $900 ☹
($79750 in credit. So Far ...) Updated 6/5/2019
Message 10 of 61
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.