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CapitalOne CLI question

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Community Leader
Mega Contributor

Re: CapitalOne CLI question

Lets hope 2k is alot for Cap One lol. It is for me but they be cray craySmiley Wink. Good luckSmiley Happy
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Message 11 of 26
Senior Contributor

Re: CapitalOne CLI question


@AverageJoesCredit wrote:
Lets hope 2k is alot for Cap One 

It is?

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Personal Credit:
BB&T/ Capital One/ Citibank/ Comenity/ Discover/ Synchrony/ Synovus
Business Credit:
Amex/ Capital One/ CitiBank/ PayPal/ Synchrony
Message 12 of 26
Frequent Contributor

Re: CapitalOne CLI question


@GApeachy wrote:

@AverageJoesCredit wrote:
Lets hope 2k is alot for Cap One 

It is?


I personally havent seen too many big CLs for Cap1. OP has a QS @ 6,300 CL presently. $2k would be about a 33% increase.

08/2019:
12/2019:

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


Message 13 of 26
Valued Contributor

Re: CapitalOne CLI question


@SilverSmith wrote:

@GApeachy wrote:

@AverageJoesCredit wrote:
Lets hope 2k is alot for Cap One 

It is?


I personally havent seen too many big CLs for Cap1. OP has a QS @ 6,300 CL presently. $2k would be about a 33% increase.


Are we talking $2K spend, $2K credit limits, or $2K credit limit increases?

I don't think everyone is on the same page.

OP didn't say what he was asking for but he said he spent about $2K.

 

Capital One started my card at only $1K as a Platinum.

I PCd it to QS.

They do like to see spend put on it during three months prior to CLI.

They do only do it once every six months.

My early increases were only $1k IIRC.

Then only $3K at a time, regardless of how much spend I put on it.

After many years, it sits at $22K finally.

Their CLIs are SP but are the biggest PITA.

 

And then I hear about people getting CLD or account

closure if you don't use the cards regularly.  Smiley Sad

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 14 of 26
Senior Contributor

Re: CapitalOne CLI question


@AverageJoesCredit wrote:
How much spend have you put on it last 3 months?

to the Spend ? above......it was off of this.^^^^

And I had to ask was 2k a lot of spend in Cap1's eyes.

So yeah, totally confusing and that's my fault.

But if 2k is a lot of spend to cap1 then I need to dial it back but was wondering.  Sorry to the world, I seem to confuse everyone.

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Personal Credit:
BB&T/ Capital One/ Citibank/ Comenity/ Discover/ Synchrony/ Synovus
Business Credit:
Amex/ Capital One/ CitiBank/ PayPal/ Synchrony
Message 15 of 26
Established Contributor

Re: CapitalOne CLI question

My last CLI in March 2019 was for 2k.
NFCU AMEX Rewards 25,000 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 7,600
Citi Double Cash 10,300
Citi Simplicity 2,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 4,500 Chevron 900 Fico 8 Scores EQ=738EX=698 TU=728 Scores and CL current as of 01/10/19 AAoA=2years6minths AoOA=17yrs
Message 16 of 26
Valued Contributor

Re: CapitalOne CLI question


@GApeachy wrote:

@AverageJoesCredit wrote:
How much spend have you put on it last 3 months?

to the Spend ? above......it was off of this.^^^^

And I had to ask was 2k a lot of spend in Cap1's eyes.

So yeah, totally confusing and that's my fault.

But if 2k is a lot of spend to cap1 then I need to dial it back but was wondering.  Sorry to the world, I seem to confuse everyone.


No worries, @LauraC Smiley Happy 

Whether $2K is a lot to spend or a big CLI depends on where we are starting from.

Depends on the Utilization Rate or how big an increase in CL that would generate.

But IME, $3K seems to be a standard rate they increase once you get to around $6K.

They gave me $1000 to $1500 until then, so baby steps.

How big is that credit line LauraC ?




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 17 of 26
Senior Contributor

Re: CapitalOne CLI question


@Aim_High wrote:

How big is that credit line LauraC ?


$5.5k and I usually run 2k through it a month....so that concerned me a little. I pif 2 to 3 times/month so they can get to know me.  But if that's too much for my limit, I'll dial it back.

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Personal Credit:
BB&T/ Capital One/ Citibank/ Comenity/ Discover/ Synchrony/ Synovus
Business Credit:
Amex/ Capital One/ CitiBank/ PayPal/ Synchrony
Message 18 of 26
Senior Contributor

Re: CapitalOne CLI question


@SFLSpotter9210 wrote:
My last CLI in March 2019 was for 2k.

That's a sweet one, congrats on that!   Good luck on growing that card, hopefully in a few days.  Smiley Wink

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Personal Credit:
BB&T/ Capital One/ Citibank/ Comenity/ Discover/ Synchrony/ Synovus
Business Credit:
Amex/ Capital One/ CitiBank/ PayPal/ Synchrony
Message 19 of 26
Community Leader
Mega Contributor

Re: CapitalOne CLI question

In my eyes , 2k spend a month is alot of spend. Thats 24k a year! I wish i could put that kind of spend on a credit card let alone my credit cardSSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 20 of 26
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