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Capital One 4x CLI

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knoregs
Established Contributor

Capital One 4x CLI

Cap One is ok in my book. They sent me an "invitation" to apply for a CLI back in early November by both email and snail mail. Well I finally got around to responding. Just needed to verify income and employment status and VOILA! 4X CLI...  YAY! Went from $500 to $2k. Card originally started at $300 and moved to $500 through the credit steps program. Thought I was going to have to go through the XO for a CLI but I never reached out to them at all.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 1 of 12
11 REPLIES 11
Brax
Frequent Contributor

Re: Capital One 4x CLI

Congrats, that's so great to hear! I thought Cap1 only increases by $500 for everyone when they hit the CLI button online. Good to know higher increments are possible.

Message 2 of 12
lg8302ch
Senior Contributor

Re: Capital One 4x CLI

Congrats.....wow..are they in the process of getting rid of their image? ..That would make many customers very happy and not close their accounts. Smiley Happy.
Thanks for sharing this positive experience.
Message 3 of 12
coldnmn
Mega Contributor

Re: Capital One 4x CLI

Congrats! I wonder if Cap1 is reading these forums they certainly have changed in the last year.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 12
CenturyChild
Frequent Contributor

Re: Capital One 4x CLI

Very Nice, Congrats!!

 

If you don't mind, how old was that Cap One card when you got the increase?  A bit hopefull mine may do the same eventually Smiley Happy

Message 5 of 12
pizza1
Community Leader
Super Contributor

Re: Capital One 4x CLI

Very nice and great job!! Congrats!
Message 6 of 12
knoregs
Established Contributor

Re: Capital One 4x CLI


@CenturyChild wrote:

Very Nice, Congrats!!

 

If you don't mind, how old was that Cap One card when you got the increase?  A bit hopefull mine may do the same eventually Smiley Happy


Got the Cap1 card in July 2012 so about 16.5 months. 

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 7 of 12
dobirdsmommy
Established Contributor

Re: Capital One 4x CLI

I sent a request thru facebook to Capital One. The response I received was, " We understand your frustration as we have been known for being a very conservative lender."  Now I never used those words, I just asked if I could be bumped to 1k CL.  So apparently they know they are known to be conservative, maybe they are trying to change it?

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 8 of 12
myjourney
Super Contributor

Re: Capital One 4x CLI

WTG BRAVO and A BIG CONGRATSSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 12
xerostatus
Regular Contributor

Re: Capital One 4x CLI


@Brax wrote:

Congrats, that's so great to hear! I thought Cap1 only increases by $500 for everyone when they hit the CLI button online. Good to know higher increments are possible.


I recently hit the luv button and got a $1000 increase (2500 -> 3500).

Was a nice surprise, i was actually more-so expecting a denial and a "free" credit score.

Message 10 of 12
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