Capital One Approved but unable to accept

[cupofcoffee]

Hi everyone,

Today I received an email from Capital one informing me I was eligible for a CLI. I logged on and saw the same message in my account. I requested a limit of $12k and it was approved, however when I pressed 'accept', it said 'we've hit a snag, please try again later'.

I tried again, and the same thing happened. I then called Capital One and they were at a loss - they saw the targeted email had been sent but didn't know why I was unable to accept the new credit limit. I'm hoping I will get the increase; has anyone else run into an issue like this before? It is capital one so doubling my current limit seems a bit too good to be true! I've attached a screenshot of the 'approval' screen.

[cupofcoffee]

As an update - it just went through! I'm honestly shocked as it took me around 1 and a half years to go from 5k to 6k (with two $500 increases) so I never thought I'd be approved for double! Very happy with my new limit 

[SouthJamaica]

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@cupofcoffee wrote:

As an update - it just went through! I'm honestly shocked as it took me around 1 and a half years to go from 5k to 6k (with two $500 increases) so I never thought I'd be approved for double! Very happy with my new limit 

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Congratulations on that outsized CLI

[pizzadude]

Congrats on the CapOne CLI !  Moving this thread to Approvals board.

[CorpCrMgr1]

Congratulations on your CLI!  Glad it went through!!

[JoeRockhead]

Very nice, congratulations!

[Jeffster1]

CONGRATS! Cap One can be a tough nut to crack!

[cupofcoffee]

Thanks everyone!

From what I've read on here/reddit, this CLI seems very out of the ordinary for Capital One, so I thought some more info would be useful.  I haven't really increased spend (usually averaging around 1.5k) so I'm very confused (but happy)! I only received the previous two $500 increases within the last year, my SL was $5000 in April/May 2022. I also have a SavorOne opened in July 2022 which started at $1k, I got a manual increase around 3-6 months after getting it to $3k, and two more manual increases within 2023 to $3.3k and now $3.6k. The only things I can think of that may have triggered this are activating the virtual card feature through google pay/chrome a few weeks ago and my old quicksilver finally dropping off my online account within the last 2 months or so. The QS was opened in September 2021 with a $3k limit and closed in July 2022 (the 'for good credit' version without a sign up bonus, my first Cap1 card).

Open accounts: 11

Oldest Card: Petal Card 4 years 11 months

Newest Card: Bilt 9 months

Lowest limit: Petal card $1100

Highest Limit: Tied between Capital One Venture (!) and Chase Sapphire Preferred, both at $12k

AAoA: 2 years 6 months

When I checked a few weeks ago my FICO for Equifax was 729, Transunion was 736 and Experian was 752.

Equifax Vantagescore is 770 'Excellent'

One of my cards (UNFCU opened in March 2023) only seems to report to Equifax.

On Equifax there are 4 inquiries, from April, July and September 2022, and one from April 2023. I'm unable to see Transunion or Experian as I have an ITIN, not an SSN. edit: remembered I did get paper copies last month as I check my report every year, there are 4 inquiries on TransUnion (3 from 2022 and one from feb 2023) and 4 on Experian (3 from 2022, 1 from 2023).

I got my TU/EQ FICO through MyFico (It wouldn't let me add EX without an SSN), and I got my EX by calling Experian and requesting it.

I've never missed a payment on any of my accounts.

Capital One knows I'm a non-resident (I selected it when applying) and they are happy having my UK address as my home address, with the mailing address being US. I make most purchases in GBP/EUR on my Venture, with occasional USD purchases, but I use my SavorOne pretty much exclusively for streaming services billed in USD (netflix, hulu, disney plus, youtube tv, spotify)

Hope this helps!

[KingRue8500]

Congrats on your Capital One CLI

[PullingMeSoftly]

Glad it worked out, that's a nice 2X