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What is the current time interval needed between asking Cap1 online for SP CLIs?

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galahad15
Valued Contributor

What is the current time interval needed between asking Cap1 online for SP CLIs?

Just wondering, does any one know please what is the current time interval needed between asking Cap1 online for SP CLIs?  For example, is it something like 6 months or 12 months, to be considered eligible for a new SP CLI?  Reason being, after 2+ years of Cap1 repeatedly declining my SP CLI requests, just for fun I entered a relatively conservative SP CLI amount to go from a $4.5k to a $5k, just because I was assuming yet another declined request, and (rather unexpectedly) Cap1 approved it instantly.  The only thing is that if I'd actually know it would be an instant approval, I would have tried for a bit more, say to take the total CL to $7.5k or $10k, etc.  Thanks in advance for your kind consideration in viewing this question!  Smiley Happy


Message 1 of 16
15 REPLIES 15
FireMedic1
Community Leader
Mega Contributor

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?

Which card are you talking about? Things are getting tighter now with these companies and the way it is for now.


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 2 of 16
Anonymous
Not applicable

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?

Venture? At least according to OP's sig

Message 3 of 16
Anonymous
Not applicable

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?

I was wondering about this last month when I got unexpected 1k increase after 3 months of not using the card. When I used it they didn't give me anything.

 

I search and saw @Aim_High  did 3 months apart this year

 

May 2022

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-threw-me-a-bone-QS-CLI-to-27K/m-p...

 

Aug 2022

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Unusual-Capital-One-QS-CLI-streak-continues-2...

 

Message 4 of 16
galahad15
Valued Contributor

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?


@FireMedic1 wrote:

Which card are you talking about? Things are getting tighter now with these companies and the way it is for now.


Referring to the Venture card.  Thanks


Message 5 of 16
galahad15
Valued Contributor

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?


@Anonymous wrote:

I was wondering about this last month when I got unexpected 1k increase after 3 months of not using the card. When I used it they didn't give me anything.

 

I search and saw @Aim_High  did 3 months apart this year

 

May 2022

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-threw-me-a-bone-QS-CLI-to-27K/m-p/6539092

 

Aug 2022

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Unusual-Capital-One-QS-CLI-streak-continues-28K/m-p/6581034

 


Many thanks for listing the helpful info @Anonymous, greatly appreciate it!  Smiley Happy


Message 6 of 16
OmarGB9
Community Leader
Super Contributor

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?

I believe it's 6 months. 


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Message 7 of 16
Aim_High
Super Contributor

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?


@OmarGB9 wrote:

I believe it's 6 months. 


I think that's the normal and generally-accepted timeframe too, @OmarGB9.  Before the unexpected CLIs I received on my Quicksilver (as @Anonymous mentioned upthread), I thought the six-months was absolute and strictly enforced.  And I also thought moderate-to-heavy spend requirement was absolute and strictly enforced with them.  My recent experiences broke both those rules, but I still think they may apply for general reference points.  (As mentioned in my postings, I speculate that depositing some large funds in a Capital One 360 Money Market might have led to a slight bending of the rules, but even then I got 3x $1K increases.  Nothing huge.  That's the only reason I could find to differentiate my profile before and after their changed behavior, unless they've modified internal policies.)


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 8 of 16
Anonymous
Not applicable

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?


@Anonymous wrote:

I was wondering about this last month when I got unexpected 1k increase after 3 months of not using the card. When I used it they didn't give me anything.

 

I search and saw @Aim_High  did 3 months apart this year

 

May 2022

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-threw-me-a-bone-QS-CLI-to-27K/m-p/6539092

 

Aug 2022

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Unusual-Capital-One-QS-CLI-streak-continues-28K/m-p/6581034

 


Lol what Smiley LOL So SDing is the best route to auto-CLI Smiley LOL I should SD my Savor One too lol, gotta give luv to my 4 new cards! Smiley LOL

Message 9 of 16
Anonymous
Not applicable

Re: What is the current time interval needed between asking Cap1 online for SP CLIs?

@Anonymous it wasn't an auto cli. I asked and I haven't had one in 4 years from them. I wouldn't sd for a cli because I don't think that's why I got. I did what @galahad15 did Is probably the reason for the cli. I asked for a lower amount too so I'm happy to see that might work. We are myficoers you know when we going to ask for a cli it's not going to be a small number. Maybe asking small is the trick to get something instead of the denial. I'm trying again in December just to see. And I meant September not last month. I still think I'm in October.

Message 10 of 16
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