Cap1 CLI pending review, new app approved!

[Laceylashes]

So today I decided to click the love button on my Cap1 QS1 card.... got the message "we'll send you a letter in 3-5 days" we all know what that means... it's a no!

I was cleaning off my kitchen table, opened up the Discover invitation that I get weekly and seriously considered applying for that but after reading about other people's experiences in here I decided to pass.

Filled out the Cap1 pre-approval just for fun and was pre-approved for a Venture card.

Applied and was approved with $15k limit even tho they would not increase my $3250 limit on my QS1 earlier today!

For anyone wondering it has been 1yr10mo since my last app.... guess it was time I came out of the garden! :-)

[Kevin5974]

I had the exact same thing as you. Stuck at $3600 for years; never an increase and then bam, approved for 15k on the Venture. Congrats. Ill keep it open for utilization but otherwise, I have other cards to use. I think Cap1 has some weak cards but I will take a triple pull every few years for a decent limit, I suppose...

[Anonymous]

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@Kevin5974 wrote:
I had the exact same thing as you. Stuck at $3600 for years; never an increase and then bam, approved for 15k on the Venture. Congrats. Ill keep it open for utilization but otherwise, I have other cards to use. I think Cap1 has some weak cards but I will take a triple pull every few years for a decent limit, I suppose...

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How long did u have the QS1 and if u dont mind do you remember your initial approval limit? I have had mine for about 2.7 yrs and start at $500, but stuck at 1k for the last year n half. Tried CLI and got that same letter.

[Anonymous]

Congrats on your approval with a nice SL to boot.  

You'll love the card when you receive it.  It may not matter to you at all but it's one of the heftier metal cards.  You'll get comments regularly about it.

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Kevin5974 wrote:
I had the exact same thing as you. Stuck at $3600 for years; never an increase and then bam, approved for 15k on the Venture. Congrats. Ill keep it open for utilization but otherwise, I have other cards to use. I think Cap1 has some weak cards but I will take a triple pull every few years for a decent limit, I suppose...

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How long did u have the QS1 and if u dont mind do you remember your initial approval limit? I have had mine for about 2.7 yrs and start at $500, but stuck at 1k for the last year n half. Tried CLI and got that same letter.

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I'm about to hit 4 years with mine. Started at $300, credit steps to $500. Got an auto increase within the next year to $800, them nothing. No auto or requested CLI approved. Got so frustrated that I made a thread about it. Saw a bunch of people getting CLIs the other day so I tried again and got another $500. 

[Laceylashes]

I got my QS1 in November 2015 with an SL of $2k. Which I thought wasn't too shabby for my first bank card after my bankruptcy in 2013. Got an auto CLI around 6 months if I'm recalling correctly and a few I requested to get me to the 3k limit. But then was denied 2 or 3 times in a row which led me to the new app yesterday.

[Laceylashes]

And I also reconsidered and did apply for the Discover it Miles and was approved for $5k!
Good day yesterday.

[joltdude]

Pretty sure you still could entertain a Disco app.... 

Whats your scores? Esp interested in TU FICO Score

Also if your interested in Discover... sign up for credit scorecard...... Im pretty sure you can app for another card with that much time in the garden (Still would subscribe to CS .. its a free FICO score monthly on a bureau other than the one Discover uses for cardholders (The one in your Discover account is a TU FICO score btw) 

Course I see the new post after I wrote this reply.

The only thing of question is what your CL will be... (Congrats on the 5K CL) APR and other such things are negotiable with Discover (after the promos are over)...

Pretty sure your Disco still has some room to grow... Just be patient .... 

-J

[Laceylashes]

Thank you!

I just consider myself lucky/blessed to have a 2nd chance after my ch7 bk in 2013!

As of today EQ 705 TU 716 EX 704

[joltdude]

BTW if after the first year, miles doesn't work for you, you can PC to IT or Chrome, or even open a second Disco card... (Opening a Disco card has been fruitful for some who are stuck on CLs but with those scores, you probably won't have that issue unless the BK slows you down)