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Cap 1 QS CLI

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Regular Contributor

Cap 1 QS CLI

So before Dec 1, my reported card utilization was at 92.9%.  I paid down that credit card to where I got to 1% utilization, but every time I submitted a CLI request on the Cap 1 website, they would pull an old credit report (showing my old utilization and old scores) and deny me.

 

Some datapoints below

 

Requested on date - Credit report pulled

Dec 12 - Oct 30

Dec 16 - Oct 30

Dec 23 - Nov 27

Jan 1 - Nov 27

Jan 7 - Nov 27

Jan 12 - Nov 27

Jan 18 - Nov 27

 

Jan 21 - Approved, haven't gotten the online doc yet, but I can assume it's a December statement.

 

Didn't want to call in and risk a hard pull (has anyone recon'd a CLI denial and had it turned over with a soft pull?), so I just kept applying until I got it.

 

H/t to @keithai1986, whose topic made me go ahead and try today; I'd have tried tomorrow anyway, but still, thanks to his topic, I knew they were finally pulling using December reports.

 

Asked for a $2k CLI, they countered with a $3k CLI, so I accepted.  I'm gonna be keeping an eye on my reports, have my eye on a few cards (gonna shoot my shot with PenFed again, gonna eventually app for the CSP, and if I get the CSP, I'll wait a few months and try for the Freedom)

 
Scores as of 8/5/2019



Planning to garden until February 2020 (started Jul 25 2019)
12 REPLIES 12
Frequent Contributor

Re: Cap 1 QS CLI

Congratulations on your CLI!

Same thing here with the old reports. Hopefully at the end of this month it will update for my account 🤦🏽‍♀️
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637
June: EQ8: 637 TU8: 645 EX8: 642
September 19’: EQ8: 620 TU8: 645 EX8: 640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 4MONTHS AAOA: 2YR 4MONTHS
Inquiries in 12 months: EQ: 3 TU: 1 EX: 1
New Accounts in the last 9 months: 0
CLOSED: Self Lender 12Month CD: June 20th 19’

Short Term Goal: Auto Lease 2020 Jeep MOAB
Chase 6/24 In-Branch Pre-approvals for all chase credit products - Goal Achieved but not taking the bait.. YET!
Message 2 of 13
Senior Contributor

Re: Cap 1 QS CLI

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 13
Established Member

Re: Cap 1 QS CLI

You said you “asked for 2K and they countered with 3K”... was this online or did you call in?
Message 4 of 13
Regular Contributor

Re: Cap 1 QS CLI


@keithai1986 wrote:
You said you “asked for 2K and they countered with 3K”... was this online or did you call in?

I did it online.  I'm assuming that if you're approved for an amount greater than what you requested, they give you the choice of just taking what you were asking for or going up to the amount they approved you for.

Scores as of 8/5/2019



Planning to garden until February 2020 (started Jul 25 2019)
Message 5 of 13
Regular Contributor

Re: Cap 1 QS CLI


@CivalV wrote:
Congratulations on your CLI!

Same thing here with the old reports. Hopefully at the end of this month it will update for my account 🤦🏽‍♀️

Idk if it's tied to your statement date (my statements cut on the 27th), but if it isn't, I think you should go ahead and check today just in case.

Scores as of 8/5/2019



Planning to garden until February 2020 (started Jul 25 2019)
Message 6 of 13
Valued Contributor

Re: Cap 1 QS CLI

Congrats on your Cap One CLI!Smiley Happy






Message 7 of 13
Super Contributor

Re: Cap 1 QS CLI

Congrats. Cap1 doesn't do recon. Whatever the computer says is the final decision.







Message 8 of 13
Regular Contributor

Re: Cap 1 QS CLI


@Brian_Earl_Spilner wrote:

Congrats. Cap1 doesn't do recon. Whatever the computer says is the final decision.


Thanks for this info! I saw online that they'll approve CLI every 6 months at the earliest; do you happen to know if that's true?

Scores as of 8/5/2019



Planning to garden until February 2020 (started Jul 25 2019)
Message 9 of 13
Senior Contributor

Re: Cap 1 QS CLI

Congrats on CLI !!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 10 of 13
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