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Cap1 QS CLI -**bleep**?

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Regular Contributor

Cap1 QS CLI -**bleep**?

I have a $4K card with Cap1 and hit the luv button and was told I was given a $450 CLI? Really? I use this card a lot and PIF or to below 10% every month and this is all I get? I declined the increase. What a waste. Any thoughts on how to get a higher CLI?

Starting Scores: September 2015 minus 500 across the board
Current Scores: October 2017 EQ: 715 TU: 710 EX: 716
In My Wallet:
Cap1 QS: $4.8K - AMEX BCP: $4.2K - Old Navy Visa: $7K - Nordstrom $3.8K - VS $500 (FTW!)
BofA AU: $12K AMEX AU: $25K
Business: AMEX BCP $15K
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Senior Contributor

Re: Cap1 QS CLI -**bleep**?

I would not take it personally at all , Cap One is going thru some changes and they are tightening up as of a few mths ago , you are honestly lucky hey offered 450 to you , most ppl with very good scores are being denied or offered 100 CLI
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Senior Contributor

Re: Cap1 QS CLI -**bleep**?

If it's been more than 6 months since your last Capital One card app, just app for a new card and combine the new limit into your old limit.

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Established Contributor

Re: Cap1 QS CLI -**bleep**?


@ABCD2199 wrote:

If it's been more than 6 months since your last Capital One card app, just app for a new card and combine the new limit into your old limit.


Agreed. I might have to go this route as well.


Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score:EX-710 || TU-714 || EQ-704 || AAoA-2yrs7mo || uti- 17% || 100% payment history || 9 inq
Message 4 of 7
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Senior Contributor

Re: Cap1 QS CLI -**bleep**?

It's usefulf for some, useless for others.

 

If you don't have a different prybar card already, Capital One might be worth the 3 inquiries twice a year to keep growing a single line to prybar status so you can start getting useful CLs with other creditors.

 

But if you have another high limit card, don't waste 6 inquiries a year on Capital One unless you NEED that amount with them.

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Community Leader
Mega Contributor

Re: Cap1 QS CLI -**bleep**?

Better than nothingSmiley Wink
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Frequent Contributor

Re: Cap1 QS CLI -**bleep**?


@stargazer25 wrote:

I have a $4K card with Cap1 and hit the luv button and was told I was given a $450 CLI? Really? I use this card a lot and PIF or to below 10% every month and this is all I get? I declined the increase. What a waste. Any thoughts on how to get a higher CLI?


Ummm not to insult,  but outside of your AUs, this isn't bad..it's a little over 10% increase offer... and sometimes when you turn down an offer they also get their panties in a wad and say "nope" when you ask again

 

Smiley Wink

"Your past is the doorway to your future"

Dad's words of wisdom

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