CapitalOne CLI question - myFICO® Forums - 5734318

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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 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay3k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=833 | EX=817 | TU=823scores and CL current as of 08/30/25 AAoA years 24 months | AoOA=18yrs

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25 REPLIES 25

When was your last CLI on that particular card?

BK7 Discharged 4/15. Back to square 1.

Message 2 of 26

March 1st 2019.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay3k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=833 | EX=817 | TU=823scores and CL current as of 08/30/25 AAoA years 24 months | AoOA=18yrs

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How much spend have you put on it last 3 months?

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1,500-2,000 estimated.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay3k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=833 | EX=817 | TU=823scores and CL current as of 08/30/25 AAoA years 24 months | AoOA=18yrs

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

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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 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay3k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=833 | EX=817 | TU=823scores and CL current as of 08/30/25 AAoA years 24 months | AoOA=18yrs

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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....

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Got ya thx 👍

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay3k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=833 | EX=817 | TU=823scores and CL current as of 08/30/25 AAoA years 24 months | AoOA=18yrs

Message 9 of 26

@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!

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