Capone CLI denied??????

[Anonymous]

Hey Everyone, my wife requested capone CLI, it's a day early on her 3rd statement cut. ( I only did it a day early, cause it worked fine with me, a day early)

And it was denied...document via website said she had a recent late payment...and I can't find it on any of our accounts.  Besides knowing 100% sure that and of our accounts have been late.

Is that just their response, for trying a day early?

thank you.

[ficoguy2013]

They are very stingy with credit.

After 8 years of good payment history - something happened on my bill pay that caused my payment to be late.

They denied me for CLI - you will have to wait 6 months to forgive you

[ficoguy2013]

They will give some other excuse - good old capital one even if you werent late lol

You just have to let them do it

[Anonymous]

I dont understand why they are saying that my wife has a recent deliquency, when she doesn't, I pay all the bills, and I'm constantly checking our reports.

They just pre-approved her for 35k car loan. 

Could that be their way of saying wait another 3 mos for an increase, she is in credit steps, and both her cards started at 3k limits.

[bodyboy1]

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@Anonymous wrote:

Hey Everyone, my wife requested capone CLI, it's a day early on her 3rd statement cut. ( I only did it a day early, cause it worked fine with me, a day early)

And it was denied...document via website said she had a recent late payment...and I can't find it on any of our accounts.  Besides knowing 100% sure that and of our accounts have been late.

Is that just their response, for trying a day early?

thank you.

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>> they can say Whatever you Want..  (i didn't spend enough/ my payments where to low) That's why they have EO  Executive offices & escalations,  Also when u request a CLI it will not be held against u,   so even though they want you to wait say 3/6 months   i've seen people re-request days/weeks later..   at the most 3 months and get CLI if EO dosen't work.   going forward..  Use &Pay   Use & pay!  you'll get those CLI!

[bodyboy1]

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@Anonymous wrote:

I dont understand why they are saying that my wife has a recent deliquency, when she doesn't, I pay all the bills, and I'm constantly checking our reports.

They just pre-approved her for 35k car loan. 

Could that be their way of saying wait another 3 mos for an increase, she is in credit steps, and both her cards started at 3k limits.

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>   I forgot to Mention  for you & your Wife!  & Others Reading this Who Want/Need it..   Like i did  & i was in shock!   > KEEP CHECKING the Pre-Quali: On Capital One..   i'm not Crazy,  some people like MYSELF will be Qualified for a new Account! & approved! & denied a credit line Increase on an existing Acct!   everyone is diff:   & Capital one will not Qualify you if they didn't see something...    play a game,  u wanted a higher line.. check that site everyday like i did  bing bang boom...  you'll get it..   if u don't check,   u won't know  & tell your wife   use that card & Make small  $35..  $40..   $45 payments ...   walk into the bank if u have to/ i do,    just a couple times a month   do this for 2/3 months   then request..   even if u can pay in full   don't,  carry a small bal..   what worked for u, may not work for her..     but those small payments a month work!    in additition to any other payments    Happy holidays!

[Anonymous]

I would call CS and verify their information is accurate.

[Anonymous]

We checked with CAP1, they said no increase would happen until 6 mos, which is credit steps.

I dunno why she didn't get increase after 3 mos, and I did, she has no lates no derogs..since BK...

and has the follwoing cards

Cap1 - 3k

QS1 - 3k

NFCU - 3.3k

Overstock - 1.7k

Barneys 2.7k

walmart - 150

Amazon - 800

She's going to garden...she has 5-8 inq

[Anonymous]

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@Anonymous wrote:

We checked with CAP1, they said no increase would happen until 6 mos, which is credit steps.

I dunno why she didn't get increase after 3 mos, and I did, she has no lates no derogs..since BK...

and has the follwoing cards

Cap1 - 3k

QS1 - 3k

NFCU - 3.3k

Overstock - 1.7k

Barneys 2.7k

walmart - 150

Amazon - 800

She's going to garden...she has 5-8 inq

I too got my increase after 3 months from the cli button and im still enrolled in credit steps.  I also checked wiith cap one and was told i wont get a increase till credit steps kick in which was false as it was with many here including yourself. Something in there system is wrong reporting she had  late payment which is blocking her LUV button request

[UncleB]

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@beautifulblaquepearl wrote:
I would call CS and verify their information is accurate.

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+1  Exactly this^^^

If you haven't already, give them a call  (or chat) and ask when the late payment was.  I've had no problems getting CLIs on each of my Capital One cards, even with very little usage, so in my experience it's not like them to just 'make stuff up'

Once you find out what month they are considering 'late' you can research to see if it was actually an oversight, or if there is an error on their part, and move forward from there.