While reading the forums a few months back, I kept seeing threads that indicated Capital One is up to some unusual activities concerning auto CLI's. I have had a bucketed Cap1 Platinum Visa since 2006 and have received a couple of small credit line increases before topping out at $1250 more than 8 years ago.
After reading about some of these auto CLI success stories, I decided to blow the dust off of my Cap1 Visa Platinum and started putting some bigger spend on it. I put $907 on it the first month. On the second month, I put $1072 spend on the card. Two weeks into the second month, I requested a CLI and was once again denied. I continued on with the spend in hopes that I may receive an auto CLI like some of the other members have reported recently. I decided to go for 1 more month of fairly heavy spend (3 months total) to see if I could get a CLI and put $697 on the third month. Within a couple of days of the 3rd statement closing (PIF), I received an email telling me that I had a CLI offer. Strange, not really an auto CLI like everyone else has posted about but the email indicated that I could have a fairly large CLI available if I chose to accept the offer. I posted about the offer here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Capital-One-CLI-Offer/td-p/6676248
I posted some screenshots showing the email and offer that I received since it didn't sound like what the other members with auto CLI had mentioned and I was also having some problems accepting the offer. FYI, if you receive a similar offer as I did but can't seem to accept it, I had to do it through the phone app but don't bother hitting the luv button since it didn't acknowledge the email offer that I received and offered me a much more typical $150 CLI.
To summarize, Capital One gave me an additional $3k credit limit increase on my 17 year old bucketed Platinum Visa after spending 55-90% of my credit limit while PIF over a 3 month period. It was my last attempt at getting beyond $1250 on this card and I never expected that my Cap1 Platinum Visa (w/ QS rewards) would turn my Chase Freedom Unlimited into the new bottom feeder. I must also thank the MF members who posted about Capital One and their unusually out of character CLI activities at the present time.
