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Cap 1 CLI

Fico_Salamanca
Contributor

Cap 1 CLI

So I requested an increase from Cap 1 QS, and I get the typical response wait 2 to 3 days for a decision. Two days later I get an email telling me to check my documents, and I got denied. Reason for the denial "Recent use of this account's existing credit line has been too low". So I message Cap 1 back thanking them for the opportunity for a unsecured card but the limit is too low ($300) for me to use as a daily driver. I PIF my balance using all my available my rewards cash, lock my card and remove it from my digital wallet. 

So the next day I get an email from Cap 1 saying your credit line has increased to $600. Wow, go figure!  

Message 1 of 18
17 REPLIES 17
M_Smart007
Epic Contributor

Re: Cap 1 CLI

Congratulations!

popcorn eating emoticon.gif
Message 2 of 18
CreditAggie
Valued Contributor

Re: Cap 1 CLI

Congratulations on your Capital One CLI!

Current Cards (in order of approval):


Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:



Currently: 0/6, 0/12, 3/24
Message 3 of 18
Iusedtolurk
Established Contributor

Re: Cap 1 CLI


@Fico_Salamanca wrote:

So I requested an increase from Cap 1 QS, and I get the typical response wait 2 to 3 days for a decision. Two days later I get an email telling me to check my documents, and I got denied. Reason for the denial "Recent use of this account's existing credit line has been too low". So I message Cap 1 back thanking them for the opportunity for a unsecured card but the limit is too low ($300) for me to use as a daily driver. I PIF my balance using all my available my rewards cash, lock my card and remove it from my digital wallet. 

So the next day I get an email from Cap 1 saying your credit line has increased to $600. Wow, go figure!  


Congrats with the, "Go Figure" tactics!

Message 4 of 18
blindambition
Community Leader
Senior Contributor

Re: Cap 1 CLI

Congrats on your CLI!!! Guess I gotta try sticking it to robo-lady algorithm.

 

Message 5 of 18
AllZero
Super Contributor

Re: Cap 1 CLI

Congratulations on your CLI!
Message 6 of 18
gdale6
Moderator

Re: Cap 1 CLI


@Fico_Salamanca wrote:

So I requested an increase from Cap 1 QS, and I get the typical response wait 2 to 3 days for a decision. Two days later I get an email telling me to check my documents, and I got denied. Reason for the denial "Recent use of this account's existing credit line has been too low". So I message Cap 1 back thanking them for the opportunity for a unsecured card but the limit is too low ($300) for me to use as a daily driver. I PIF my balance using all my available my rewards cash, lock my card and remove it from my digital wallet. 

So the next day I get an email from Cap 1 saying your credit line has increased to $600. Wow, go figure!  


LOL, makes you wonder if it was in response to what you did or just an auto increase. In any case grats on the 2x CLI Smiley Happy

Message 7 of 18
cashorcharge
Valued Contributor

Re: Cap 1 CLI

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 8 of 18
Curious_George2
Established Contributor

Re: Cap 1 CLI

That's a head-scratcher, but congratulations! 


Message 9 of 18
benreily
Established Contributor

Re: Cap 1 CLI

Simply awesome move. Terrific job! Congrats!




Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014)EQ 781, EXP 784, TU 779
Score: (Nov 22, 2014)EQ 814, EXP N/A, TU 781
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
Score: (Mar 10, 2018)EQ 736, EXP 740, TU 724
Score: (Apr 7, 2018)EQ 752, TU 750, EXP 753
Score: (Jun 14, 2018)EQ 784, TU 771, EX:777
Score: (Sep 7, 2020)EQ 760, TU 737 , EX ?
Score: (Nov 23, 2020)EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)
Score: (Feb 1, 2021) From myfico.com EQ Fico 8 776,Fico 9 771, TU Fico 8 755, Fico 9 751, EX Fico 8 750, Fico 9 741
Score: (Feb 14, 2021) From myfico.com EQ Fico 8 790, TU Fico 8 789, EX Fico 8 768 (drops from 772)
Score: (Feb 21, 2021) From myfico.com
EQ Fico 8 797, TU Fico 8 791, EX Fico 8 761 (Scores fluctuated Up/Down this month)
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge
Feb 1, 2021 AoOA 18 years, 9 months, AAoA 7 years, 10 months





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