How to get a CLI from Capital One

[4sallypat]

Well I must be the strange Cap 1 DP:

Quicksilver One - $1800 CL without a CL increase in over 6 years.  Have had this account for over 6 years!

I asked for one after paying off the account and they denied saying "Low Monthly payments" when I pay 2x or 3x the minimum....

[Curious_George2]

The CEO of Capital One has publicly confirmed that they have decided to be more generous with credit limits for some customers. 

https://ficoforums.myfico.com/t5/Credit-in-the-News/Capital-One-Starting-to-Raise-Credit-Limits-in-H...

Nice to have official confirmation!

(psst: Richard, if you're reading this, please also resume card combinations, allow PCs to Savor and Savor One, ditch the whole "bucketing" policy, dial down the absurd spending requirements for CLIs, and above all, stop with the triple pulls already!)

[FinStar]

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@Curious_George2 wrote:

The CEO of Capital One has publicly confirmed that they have decided to be more generous with credit limits for some customers. 

https://ficoforums.myfico.com/t5/Credit-in-the-News/Capital-One-Starting-to-Raise-Credit-Limits-in-H...

Nice to have official confirmation!

(psst: Richard, if you're reading this, please also resume card combinations, allow PCs to Savor and Savor One, ditch the whole "bucketing" policy, dial down the absurd spending requirements for CLIs, and above all, stop with the triple pulls already!)

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Emphasis being "some customers".

Your other "wish list" will likely be on the back burner, they've just recently resumed secured CC graduations.

[Curious_George2]

Yeah. Sadly, as we have seen, the $100 CLI is still possible, perhaps even likely for limits under... $1,000?

"Back burner" sounds better than the place I was assuming they put requests like mine. 🗑

[rostrow416]

Bleh, got a $100 CLI on my BuyPower Card (750 -> 850 recently - first approved CLI in years) and just tried on my QuickSilver today and was offered $100 (1000 -> 1100 - first CLI since I opened it last June),  I declined.

I wish some of the Capital One CLI juju would rub off on these cards.

[Anonymous]

I've had a Quicksilver card for at least 2-3 years now I must have tried 5-10 times to get a CLI no luck lol.. I've put at times $200-300 on the card with a $500 CL and paid it right off months after months using it like it was going out of style hoping they would up the ante a little and move me to $1000-2000 but nothing lol. Hell freezes over if they give me a CLI with per article lol.

[oorhett]

Thought I would share that I too recived the $100 Special today when requested a CLI. I am just over my 1 yr anniversary with the card that began as a Platinum. Cap1 did a soft pull last month 02/21.  Use reported below, I put about $165 on it a couple weeks ago and requested the CLI with that balance on the card. 

Statement transactions

$300 limit

03/20 - $203

04/20 - $114

05/20 - $275

06/20 - $299

07/20 - $292

08/20 - $165

$500 Limit

09/20 - $155

10/20 - $383

11/20 - $305

12/20 - $403

01/21 - $385 - Converted to QS

02/21 - $0

Current Balance 

03/21 - $165

[Curious_George2]

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@oorhett wrote:

Thought I would share that I too recived the $100 Special today when requested a CLI. I am just over my 1 yr anniversary with the card that began as a Platinum. Cap1 did a soft pull last month 02/21.  Use reported below, I put about $165 on it a couple weeks ago and requested the CLI with that balance on the card. 

Statement transactions

$300 limit

03/20 - $203

04/20 - $114

05/20 - $275

06/20 - $299

07/20 - $292

08/20 - $165

$500 Limit

09/20 - $155

10/20 - $383

11/20 - $305

12/20 - $403

01/21 - $385 - Converted to QS

02/21 - $0

Current Balance 

03/21 - $165

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Thanks for the DP, and big congrats on what looks like a very successful rebuild! 

I'm no expert on Credit Steps, but the amount and timing of your CLIs suggests to me maybe this card was in that program. Do you know if it was? The reason I ask is I've assumed the rules regarding CLIs are different for Credit Steps cards than others.

[oorhett]

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@Curious_George2 wrote:

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@oorhett wrote:

Thought I would share that I too recived the $100 Special today when requested a CLI. I am just over my 1 yr anniversary with the card that began as a Platinum. Cap1 did a soft pull last month 02/21.  Use reported below, I put about $165 on it a couple weeks ago and requested the CLI with that balance on the card. 

Statement transactions

$300 limit

03/20 - $203

04/20 - $114

05/20 - $275

06/20 - $299

07/20 - $292

08/20 - $165

$500 Limit

09/20 - $155

10/20 - $383

11/20 - $305

12/20 - $403

01/21 - $385 - Converted to QS

02/21 - $0

Current Balance 

03/21 - $165

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Thanks for the DP, and big congrats on what looks like a very successful rebuild! 

I'm no expert on Credit Steps, but the amount and timing of your CLIs suggests to me maybe this card was in that program. Do you know if it was? The reason I ask is I've assumed the rules regarding CLIs are different for Credit Steps cards than others.

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Yes it was in credit steps 

[Anonymous]

I've asked for a CLI 3 months in a row on my Savor One. They've offered $100 each time but I've declined. 

My usage has ranged from $,1800- $2,200 each month. My current limit is only $750. I would understand if my usage was very little but using 2-3 times my current limit should warrant a little more of a CLI. 

My 6th month statement cuts tomorrow. Hopefully the'll surprise me with a reward.