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Cap1 cli finally

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Anonymous
Not applicable

Re: Cap1 cli finally

Congrats on the increase! I've got a Venture that is 9 months old, but haven't received any luv yet. It seems lately, at least for me, that I'm having to wait longer than the typical increase at the 6 month mark. Keeps saying I haven't used enough of my credit line, so this month I threw everything on it ($3600). Good luck on your next one - hope it's big! 😊
Message 11 of 14
Anonymous
Not applicable

Re: Cap1 cli finally

I received my first QS CLI at about the 9 month mark. I tried at about the 7 month mark and sole reason given for denial was that I "don't use enough of my current credit line." I have had my Spark business card for over 11 years and have never been granted a CLI, again, sole reason given I "don't use enough of current credit line." For a couple of months I put about 2k spend on QS and PIF and hit luv button...instant 1k increase. Not much of a jump from 15k SL to 16k, but any increase from Cap One is better than a denial! I think you are on the right track putting heavier spend on your Venture and PIF.

Message 12 of 14
Anonymous
Not applicable

Re: Cap1 cli finally

Thanks, Seashell!  I too had a SL of $15K, and I've been pif the last 3 or 4 months.  Never put a whole lot on it, except the first 2 months.  Statement cuts the 28th, so will pif before then.  I'll see if this does the trick.  Already thinking it won't be much when I do get one, but it sure is nice anyways.  

Message 13 of 14
RonM21
Valued Contributor

Re: Cap1 cli finally

Congrats


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 14 of 14
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