Has anyone gotten this message when requesting a cap 1 cli?

[SUPERSQUID]

Today i requested a cli on my savor one. my last cli  on this card was almost 8 months ago.

My present cl is 3100 and i request my limit be bumped to 5k. in the monthly spend i entered 1k and in the reason box i marked other.

I received an instant message of a 2 - 3 day review and they will notify me, this is the first time i got this type of message. prior on my cap 1 cards the decision was an instant yes or no.

Has anyone else gotten this 2 - 3 day message?

[HO8X7696]

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@SUPERSQUID wrote:

Today i requested a cli on my savor one. my last cli  on this card was almost 8 months ago.

My present cl is 3100 and i request my limit be bumped to 5k. in the monthly spend i entered 1k and in the reason box i marked other.

I received an instant message of a 2 - 3 day review and they will notify me, this is the first time i got this type of message. prior on my cap 1 cards the decision was an instant yes or no.

Has anyone else gotten this 2 - 3 day message?

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Yes every time I've requested an increase. I usually get a message the next day in email. Was always no for me once I got that message. 

[sccredit]

Most likely - it's a no and a letter will be posted to your account in the next day or so. That's how every CLI denial with them ever went for me 

[Hex]

I'm sorry to say it's always resulted in decline for me.  

[Jnbmom]

I must also state when I had Capone that was always a denial 😞

[FinStar]

Echoing the above comments, it's a denial OP.

[SUPERSQUID]

I just got the email, you were all right, it was a denial.

These were the 2 reasons.\

The credit reporting agency has reported too many recent credit inquiries

Income is insufficient

My income is 39k

my inqs have gone down from 20 plus to 9.

I plan not to use the savor in jan/feb/mar 2023 because i have a 6 month old discover that will give 10 pct  cb on groceries for those months , double cb, 5 pct x 2.

I normally put a decent amount of spend on the savor, up to 33 pct of limit per month but i plan to pay it to zero and not use it for those 3 months. i got a good cli on my QS last month 2k - 5k . i hadnt used the card for 3 months except a 6 dollar charge, but before that i used it a lot  lets see if the same happens with savor

[user979797]

I also have a 3100 limit and it is my smallest limit. Capital one continues to approve increases on my Savor One card (Both automatic and all requested) yet this card continues to be denied and has been for years now no matter what kind of usage (I've maxed it out and payed in full, not paid in full, and even made double payments before and after statement cuts). I also get the income is insufficient every time i request a increase and sometimes it will have something else listed but the last few times, including yesterdays request, was simply income is insufficient.....Yet they continue to raise Savor (same income mind you) every 6 months so I guess we are bucketed???..... and if we run maybe double our limits through it for 3 months then MAYBE they would increase or maybe it would still say income is insufficient. LOL oh Capital One and your AI decisions. 

Despite having the account a while if they do not grant me one in the next 6 months i'll replace it with another 1.5 or 2% cash back card. It's not my oldest card and I do not mind letting it go if I can't increase the limit.

I do hope you get your increase next time you request it .letscrossourfingers.

[SUPERSQUID]

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@user979797 wrote:

I also have a 3100 limit and it is my smallest limit. Capital one continues to approve increases on my Savor One card (Both automatic and all requested) yet this card continues to be denied and has been for years now no matter what kind of usage (I've maxed it out and payed in full, not paid in full, and even made double payments before and after statement cuts). I also get the income is insufficient every time i request a increase and sometimes it will have something else listed but the last few times, including yesterdays request, was simply income is insufficient.....Yet they continue to raise Savor (same income mind you) every 6 months so I guess we are bucketed???..... and if we run maybe double our limits through it for 3 months then MAYBE they would increase or maybe it would still say income is insufficient. LOL oh Capital One and your AI decisions. 

Despite having the account a while if they do not grant me one in the next 6 months i'll replace it with another 1.5 or 2% cash back card. It's not my oldest card and I do not mind letting it go if I can't increase the limit.

I do hope you get your increase next time you request it .letscrossourfingers.

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I'm not emotional about it besides this time cap 1 has been ok with me. i do have 11,100 in limits from them between my kohls, QS, and savor one all in 2 years, not bad. my QS started at 300 in may 2021 and my kohls started off at 300 in oct 2020.

Now my kohls is 3000 and my QS is 5000 and i burned cap 1 for 5k in my bk7 12/2019 to boot.

I do have that 6 month old discover i can use in jan/feb/mar 2023 for groceries for 10 pct cb, 5 pct x 2

[user979797]

That's awesome. Good luck on your next request they can say yes anytime