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CLI on Old Cap One QS MC (Update: Venture WEMC, too)

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UncleB
Credit Mentor

CLI on Old Cap One QS MC (Update: Venture WEMC, too)

Hello everyone!

 

I'm posting this one really just for a data point for others, since Capital One tends to be all-over-the-place recently with CLIs (even more so than usual).

 

My old QS MasterCard, opened in June 2007 as an Orchard Bank (HSBC) Platinum with a $300 credit line had been consistently getting CLIs the last few years - the last was $1k October 2016 - but back in the spring when my six months were up it was a no-go... I got the dreaded "not enough use" default message that so many here have come to know and love.  Smiley Frustrated

 

I only used it sparingly (since I have other cards with both higher limits and better rewards) but I figured I would see if working it relatively hard for a little while would make a difference.  In September I put just under $2k in purchases through it, and even then when I tried for a CLI I got the same "not enough use" message.  I tried a couple of times last month as well with the same results.  I figured I would just forget about it since with this particular card it's not really a big deal anyway.

 

I noticed today that the Capital One site has had a make-over, so I figured 'what the heck' and gave it another go... this time I was successful:

 

CapOneNov2017CLI.png

 

I doubt the site makeover had anything to do with it, but I'm pleased that after all this time I've finally broke through the $5k barrier with this card.  Smiley Happy

 

It has a legacy 15.9% APR, which is actually lower than my other two Capital One cards (not that I would ever carry a balance on it anyway, of course) and due to the age I don't plan to cut it loose anytime soon (if ever). 

 

At some point I might play around with a PC; I would love for it to become a Savor (I would actually use it then), but from what I've read most PC requests for that have been denied.  I might PC it to a Venture One to see if it would get the WMC upgrade but that would be purely for 'kicks' and for the data point, since I've not seen reports of a Platinum to WMC upgrade in a while. 

 

TL;DR... if anybody has had a difficult time with Capital One CLIs lately don't give up!  Smiley Wink

 

Update:  I ended up getting a CLI on my Venture WEMC as well, and it's barely been touched since the spring (seriously... less than $100 in charges since March).  You can jump directly to that post by clicking here.

Message 1 of 24
23 REPLIES 23
Anonymous
Not applicable

Re: CLI on Old Capital One QS MasterCard

Congrats UncleB, persistence pays off! Dv

Message 2 of 24
AverageJoesCredit
Legendary Contributor

Re: CLI on Old Capital One QS MasterCard

Hey, job well done UncleB on keeping the flame burningSmiley Happy. Congrats on making it 10 years with the card lol, something many of us should strive for , longevity lol. Maybe 1 day theyll let you pc to the hunger card Smiley Wink. Enjoy and thanks for sharingSmiley Happy
Message 3 of 24
CreditCuriosity
Moderator Emeritus

Re: CLI on Old Capital One QS MasterCard

Congrats UncleB.. Funny you got one after the conversation we just had  Smiley Happy

Message 4 of 24
Adkins
Legendary Contributor

Re: CLI on Old Capital One QS MasterCard

Congratulations!


Last HP 08-07-2023



Message 5 of 24
Anonymous
Not applicable

Re: CLI on Old Capital One QS MasterCard

Way to go UB! 

Message 6 of 24
Total80sKid
Senior Contributor

Re: CLI on Old Capital One QS MasterCard

Congrats, Uncle!
Message 7 of 24
Anonymous
Not applicable

Re: CLI on Old Capital One QS MasterCard

Congratz on cli! Smiley Happy 

 

I currently have a QS1 that hasnt received a cli. But earlier this year I closed a Cap1 Platinum. And for some reason even though it's closed I'm always getting a cli on that account (closed). I don't know if it's a glitch witb Capital One lol

 

 

Message 8 of 24
SunriseEarth
Moderator Emeritus

Re: CLI on Old Capital One QS MasterCard

Congrats on the CLI!   You inspired me to try for my own CLI on my old QS.  Smiley Happy



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
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Message 9 of 24
Anonymous
Not applicable

Re: CLI on Old Capital One QS MasterCard

Nice going! Closed all my Capital One, Orchard and HSBC's when the big 2009 take over took place by Cap1. Did not like that they were going to take the Business Cards to reporting on the credit reports. Also, credit limit increases by them for me got so it was always present CL not used enough. When I closed them there were eight accounts. Glad to see Cap1 is CLI'ing for legacy cards. Maybe it is your legacy Smiley Happy Tell CC to "eat his heart out"  Smiley Wink

Message 10 of 24
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