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CapitalOne CLI question

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SFLSpotter9210
Established Contributor
‎09-05-2019 05:40 PM
‎09-05-2019 05:40 PM

CapitalOne CLI question

I hit the luv button yesterday through their website. And I got a 2-3 day notice. I got a reply document that stated I was denied and for the reason of not enough experience with existing credit line whatever that means. So I call CSR and nice lady says that I may want to wait a bit longer and reapply for an increase. My statement cuts tonight. Did she refer to trying again after I statement cuts or try again next month. Some data points I PIF every month so carrying a balance isn’t an issue. And I’ve had them for about 3-4 years now and never been late. So my question is should I hit the luv button through their mobile app next week or wait until next month or longer. Thanks in advance for your replies.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
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JourneyStartsNow
New Contributor
‎09-05-2019 05:46 PM
‎09-05-2019 05:46 PM

Re: CapitalOne CLI question

When was your last CLI on that particular card?
BK7 Discharged 4/15. Back to square 1.
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SFLSpotter9210
Established Contributor
‎09-05-2019 05:47 PM
‎09-05-2019 05:47 PM

Re: CapitalOne CLI question

March 1st 2019.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 3 of 26
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AverageJoesCredit
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎09-05-2019 05:58 PM
‎09-05-2019 05:58 PM

Re: CapitalOne CLI question

How much spend have you put on it last 3 months?
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SFLSpotter9210
Established Contributor
‎09-05-2019 06:02 PM
‎09-05-2019 06:02 PM

Re: CapitalOne CLI question

1,500-2,000 estimated.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 5 of 26
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SilverSmith
Frequent Contributor
‎09-05-2019 06:09 PM
‎09-05-2019 06:09 PM

Re: CapitalOne CLI question

Hit the LUV button tomorrow... 6 months is the accepted timeframe around these parts for Cap1 CLI.

08/2019:
12/2019:

~ This is Chess... It ain't Checkers!!! ~


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SFLSpotter9210
Established Contributor
‎09-05-2019 06:11 PM
‎09-05-2019 06:11 PM

Re: CapitalOne CLI question

Their using EQ for SP too just for some more data points which is my best CR Fico score. Ok sounds like a plan thx.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 7 of 26
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SilverSmith
Frequent Contributor
‎09-05-2019 06:18 PM
‎09-05-2019 06:18 PM

Re: CapitalOne CLI question

FYI, the CSRs are not allowed to tell you when the next CLI is available but if you front load the question they will most likely infer what you require. "So... if I try tomorrow I'll probably have better luck?" Never hurts to try.... Smiley Wink

08/2019:
12/2019:

~ This is Chess... It ain't Checkers!!! ~


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SFLSpotter9210
Established Contributor
‎09-05-2019 07:00 PM
‎09-05-2019 07:00 PM

Re: CapitalOne CLI question

Got ya thx 👍
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 9 of 26
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TruSaintsFan
Frequent Contributor
‎09-06-2019 04:22 AM
‎09-06-2019 04:22 AM

Re: CapitalOne CLI question

@SFLSPOTTER9210 - Diddo the comment about the 6 mths intervals. I have cap1 myself and your a count is eligible six mths after the last increase. GOOD LUCK!
CSP 17.8K
CHASE FU 7k
BECU VISA CARD 13K
BECU LOC 10K
CONNS(SYNCHRONY) 10K
MY JEWELERS 5K
NEW COAST DIRECT 5K
REGIONS PLATINUM 4K
BBT CASH REWARDS 3.5K
BBT TRAVEL 3.5K
PFU(ELAN FINANCIAL) 2K
CAP1 QS1 1.5K(closed GONE)
DISCOVER IT 2K
KAYS 1K(closed GONE)
NFCU CASH REWARDS 4.5k
CREDIT ONE 500(closed GONE)
OPENSKY 300(closed GONE)
DISCOVER(AU) 38.6K
CITI(AU) 12.5K

INCOME = 207K

Score for Fico are: Oct. 2019 Util 5%
Eq= 689
Trans= 719
Ex= 692
Inquires in last 24mths(Aug19)
Eq= 15
Trans= 12
Ex= 17
Accounts in Last 24mth= 19 6mths= 8(Aug19) 4 accounts have been closed
Car Loan= 1
Installment Loans= 5
CC= 12
4 AU accounts for AAoA since I have so many accounts(lol)
(1)10yrs, (3)8yrs
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