Re: Cap1 CLI

Anonymous · ‎02-24-2015

So I know a lot of people here like to hate on Cap1 but I will say the last 7 months or so for me have gone really well. I've had my card for a longtime, it was my second card from when I was 19 or 20. The credit limit was still at $750 from then when I got a mailer to upgrade to QS. I decided to do it and called to do so. It took a little bit of work for the CSR since the card hadn't been used since 2009 so she had to reactivate it first. When that was done I asked for a SP CLI. This didn't happen via the website so I reached out to the EO via facebook (responded within 15 minutes and called me the next morning) and they bumped me to $5k within a day. Six months later they bumped it another $3k with moderate spend. Overall pretty good experience for me. I've switched my daily spend to the DC now though.

Also AMEX gave me a CLI from $16k to $25k today. Should have asked for more but overall a good week.

Anonymous · ‎02-24-2015

@Anonymous wrote:
So I know a lot of people here like to hate on Cap1 but I will say the last 7 months or so for me have gone really well. I've had my card for a longtime, it was my second card from when I was 19 or 20. The credit limit was still at $750 from then when I got a mailer to upgrade to QS. I decided to do it and called to do so. It took a little bit of work for the CSR since the card hadn't been used since 2009 so she had to reactivate it first. When that was done I asked for a SP CLI. This didn't happen via the website so I reached out to the EO via facebook (responded within 15 minutes and called me the next morning) and they bumped me to $5k within a day. Six months later they bumped it another $3k with moderate spend. Overall pretty good experience for me. I've switched my daily spend to the DC now though.

Also AMEX gave me a CLI from $16k to $25k today. Should have asked for more but overall a good week.

Congrats..

Anonymous · ‎02-24-2015

congrats!

chalupaman · ‎02-24-2015

Good job! Congrats.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎02-24-2015

Congrats!

Anonymous · ‎02-24-2015

Congratulations!

Goblin · ‎02-25-2015

Awesome Capital One CLI. Mine is slowly increasing, but I haven't had any major issues with Cap1 as well.

Congratulations!

Starting Score: Ex: 495 Eq: 492 Tu: 497
Current Score: Ex: 708 Eq: 716 Tu: 710

uswala · ‎02-25-2015

Congrats on the CLI!

gdale6 · ‎02-25-2015

Sweet, grats on your CLIs

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