CRAP 1 CLI

[Scott_S]

Like JCrew I seem to be having the opposite results as others with CLI's from Cap 1.  I run hundreds through the quicksilver card monthly, pay it off and only received $250 CLI at six months, nothing at 1 year, denied several times for requested increase.  Contacted EO several times, who always send the request to underwriting for manual review, denied everytime.  Now 1 1/2 years in I clicked the LUV button and was offered $100 bucks.  

I HATE THIS BANK!

[Anonymous]

Hmmm, I always leave a balence and I got a 1500 500 2500 dollar increase. I'm not sure, maybe try that.

[revjamesl]

I'm not a fan of Cap1, either.

[bobbay]

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@Scott_S wrote:

Like JCrew I seem to be having the opposite results as others with CLI's from Cap 1.  I run hundreds through the quicksilver card monthly, pay it off and only received $250 CLI at six months, nothing at 1 year, denied several times for requested increase.  Contacted EO several times, who always send the request to underwriting for manual review, denied everytime.  Now 1 1/2 years in I clicked the LUV button and was offered $100 bucks.  

I HATE THIS BANK!

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sometimes you have to change relationships to make progress.  I feel your pain...they let me go 9  years without a cli  after several contacts to EO my liimit was boosted but nothing since...that was over a year ago and they get 3-4k per month avg spend with pif.  The Venture craze has been very uncharacteristic of them.  Find a new lender that matches your profile.  Good Luck

[B335is]

Congrats (I think)!!

[Anonymous]

Do you prequal for Venture 1 or Venture?

[Scott_S]

I don't pre-qualify for Venture.  I applied for a Sony card and received a message I had a recent or pending application, but I didn't.  So I called and was told that no application other than the Sony could be found.  I was told someone would look into it, but I should wait 30 days before applying again.  I waited 4 months and applied for Sony card, I received a letter stating I was denied due to a recent or pending application.  I called again, I emailed EO, talked to EO rep, was told they would investigate and have the Sony app manually reviewed.

Adding this to the CLI issues is why I HATE THIS BANK!!

[Pway]

Capital One is weird, although they have been very good to me. 

[Anonymous]

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@Scott_S wrote:

Like JCrew I seem to be having the opposite results as others with CLI's from Cap 1.  I run hundreds through the quicksilver card monthly, pay it off and only received $250 CLI at six months, nothing at 1 year, denied several times for requested increase.  Contacted EO several times, who always send the request to underwriting for manual review, denied everytime.  Now 1 1/2 years in I clicked the LUV button and was offered $100 bucks.  

I HATE THIS BANK!

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I understand your pain I have experienced the same exact issues. I am paying them off very soon and putting them in the sock drawer. It seems that certain accounts are just coded in a manner that once a credit threshold is met nothing else is given without a new application but who wants three hard pulls for a card they already have. Congrats on the $100 but I understand the strong dislike for this company.

[tonyjones]

They use old ass reports, like 2-3 months, so you'll have to bring your scores up/report and try again lol