Cap1 QS Auto CLI 10k to 13k to 16k DPs

JFox418 · ‎12-01-2021

Woke up to an interesting email. Cap1 bumped my wife's QS card from 13k to 16k. She just had the 13k auto CLI from 10k start in May this year. This card has carried a high balance on it for a while and just recently in the last month or two has seen some large payments.

Hopefully I didn't shoot myself in the foot. I have a QS as well which used to be a platinum. It had an auto CLI in September from 10k to 13k and carries a high balance as well. I asked for a CLI last month and was denied. I should have looked at when the last CLI was, I didn't realize it was only a few months before and thought it was earlier in the year. I'm assuming Cap1 wants you to wait 6 months? Will I need to wait 6 months from my last CLI or from my last request?

I know Cap1 doesn't hand out CLIs frequently from seeing posts in the forum. Looks to me like you have to buy Auto CLIs from Cap1 by carrying a balance?

coreyb80 · ‎12-01-2021

Congrats on the bumps!

SUPERSQUID · ‎12-01-2021

CONGRATS !!!!!

I hope they treat me that well when my savor one becomes 6 months old in may, if not i plan to buy some voodoo dolls and some shrunken heads and do a cap 1 cli dance.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ 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 ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

JFox418 · ‎12-01-2021

@SUPERSQUID wrote:
CONGRATS !!!!!
I hope they treat me that well when my savor one becomes 6 months old in may, if not i plan to buy some voodoo dolls and some shrunken heads and do a cap 1 cli dance.

Hopefully they help you out! I did forget to mention my wife's account is 16 years old

NRB525 · ‎12-01-2021

High fives all around! Congrats

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

difringe · ‎12-01-2021

Congrats on the increases! Cap1 wants you to wait 6 months between increases. If you request early, you'll be rejected, but that doesn't reset your clock.