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)
