Re: Cap One Union Plus MC CLI

ChargedUp · ‎11-19-2021

I've had this card for 6 years and the only other CLI I've received on it was the credit steps $500 to $2500 where it sat for seemingly eternity. I even went so far as to stop at a Cap One Cafe years ago and interrogate a CSR as to what it would take to make this card grow to something quasi useable. They called into UW with a number they had and UW said "It will never grow due to the way the card product was underwritten." I later learned here on MyFico that this was Cap One speak for bucketed.

Fast forward to last night, I hit the luv button on this card for the first time in maybe 5 years. I didn't expect anything as this card gets a couple swipes a year... well,

Woohoo... 🙄😁

I went and bought Power Ball tickets...

TSlop · ‎11-19-2021

Congrats on your CLI!

MartyWrite75 · ‎11-19-2021

Congratulations on your CLI!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)