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Cap One auto CLI!

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Mischa
Contributor

Cap One auto CLI!

Like so many others here I have a bucketed Cap One QS $600 (started at $300). I've earned some coveted $100 increases in the past and then lately denials for "too many recent inquiries." 

I literally just received another denial letter yesterday, then woke up this morning to a huge (for Cap One anyway lol) auto CLI to $3600. 

Lesson learned, stop asking for CLI from Cap One, period. Now I regret asking for one on my Walmart MC last month since that was approved (they gave $250 increase which I was thinking was better than $100 lol). Whatever computer analysis they use to make decisions for customer requests is obviously different than the unprompted ones. 

I've seen posts recently about this same topic, but just wanted to add to the DP.

27F8C00D-D69E-4E1B-BE38-A51A908822D6.jpeg

 

Message 1 of 19
18 REPLIES 18
M_Smart007
Legendary Contributor

Re: Cap One auto CLI!

Congratulations screamer emoticon.gif ..

Message 2 of 19
Rebuild2019
Valued Contributor

Re: Cap One auto CLI!

Congratulations 🎊🎈🎉 on your CAP1 CLI.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 3 of 19
SPChaser
Established Contributor

Re: Cap One auto CLI!

Congrats on Cap 1 success! 

“Play the game, but don't believe in it“
Message 4 of 19
CreditAggie
Community Leader
Super Contributor

Re: Cap One auto CLI!

Congratulations on your Capital One auto-CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 19
collics
Established Contributor

Re: Cap One auto CLI!

Congrats!! I'm so jealous! lol

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2023
Newest to Oldest:


FICO8s Dec 2019

FICO8s Oct 31 2023
Message 6 of 19
SUPERSQUID
Valued Contributor

Re: Cap One auto CLI!

CONGRATS !!!!!

Theres hope in mudville

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 7 of 19
coreyb80
Super Contributor

Re: Cap One auto CLI!

Congrats on the nice bump!!

Message 8 of 19
Jannelo
Frequent Contributor

Re: Cap One auto CLI!

Now you've made me feel like a loser.   Smiley LOL I was so excited that my Cap One Quicksilver, which began with a $300 SL, ending up with a $800 CL, was auto increased to a $2,300 CL this weekend.   I was very pleased with a $1,500 auto CLI, compared to the three $100 CLIs over the last couple of years.  But congratulations on your very generous CLI from Capital One.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 9 of 19
gdale6
Moderator Emeritus

Re: Cap One auto CLI!

Once heck of an increase out of Cap-1, they have open the spigots again Smiley Happy

Message 10 of 19
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