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CapOne $100 CLI then Successful PC

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Vector3D
Established Member

CapOne $100 CLI then Successful PC

Back in October I opened a bucketed Capital One Platinum with a $300 limit so I could get back in their good graces after burning them about two years ago on another Platinum that was charged off.

 

After last month's statement cut I requested a CLI for shiggles and got a $100 bump.  My new statement just cut yesterday so this morning I tried the product change link and PCed to the Quicksliver.  Immediately after the PC I tried to request a CLI but they said something along the lines of my recent CLI was too recent.  Oh well, the 1.5% is better than 0% cashback anyway!

 

On a sort of sidenote but somewhat related: I should mention that my old charged off CapOne card was paid/settled over 6 months ago, their system was glitched or something and it was reporting a new charge off balance to my reports EVERY MONTH and suppressing my scores.  After trying to dispute this through Experian unsuccessfully, I finally called CapOne a week or two ago and offered to pay the remaining $87 just to have it stop updating incorrectly.  The rep said don't worry about paying it, then she sent some sort of internal dispute which just updated a few days ago and now my scores have jumped 20-40 points on all bureaus.  I'm hoping once this settles in I might see a better CLI but I'll just have to wait and see, I've heard CapOne bases CLIs on 3-month old scores so it might be a while, I'm in no rush.

Currently Rebuilding, AZEO (EQ FICO 697 | TU FICO 714 | EX FICO8 707 as of May 2022) (Was 493 in early 2019), Goal Score: 750
Last derog paid 12/31/20!!!!!!

Current Cards/Loans:

Old Student Loans - ~$10,000 (Opened 2010, 2011 - Rehabilitated from Default in 2020)
New Student Loans - ~$3,000 (Opened 2021)

Previous Cards/Loans:


Goal Cards:
Message 1 of 14
13 REPLIES 13
JoeLuvsHisCredit
Valued Contributor

Re: CapOne $100 CLI then Successful PC

congratulations-banner-colorful-paint-brush-strokes-congrats-vector-card-message-achievement-bright-background-design-137052001.jpgcongratulations-banner-colorful-paint-brush-strokes-congrats-vector-card-message-achievement-bright-background-design-137052001.jpg

Message 2 of 14
AllZero
Mega Contributor

Re: CapOne $100 CLI then Successful PC

Congratulations on your CLI and product upgrade!
Message 3 of 14
cashorcharge
Community Leader
Super Contributor

Re: CapOne $100 CLI then Successful PC

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 4 of 14
CreditAggie
Community Leader
Super Contributor

Re: CapOne $100 CLI then Successful PC

Congratulations on your Capital One CLI and upgrade!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 14
gdale6
Moderator Emeritus

Re: CapOne $100 CLI then Successful PC

Grats on the CLI and PC to an actual rewards card Smiley Happy

Message 6 of 14
BAD_UP
Established Contributor

Re: CapOne $100 CLI then Successful PC

Congrats on you CapOne CLI & PC🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706
Feb15 2021 Score EQ FICO8 704, TU8 702 , EX8 712 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 7 of 14
Demented1
Established Contributor

Re: CapOne $100 CLI then Successful PC

Congratulations on the CLI and subsequent PC!




Message 8 of 14
M_Smart007
Legendary Contributor

Re: CapOne $100 CLI then Successful PC

Congratulations!

Message 9 of 14
Anonymous
Not applicable

Re: CapOne $100 CLI then Successful PC

Congrats on your CLI and PC to the Quicksilver and the score jump! I believe since you did the CLI and then PC'd the card you should be eligible again for consideration on a new CLI in 6 months.

Message 10 of 14
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