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Capital One CLI 1k to 4k!

nwa479
Contributor

Capital One CLI 1k to 4k!

I just received a CLI on my Capital One Quicksilver card from $1000 to $4000 this morning.  I did not request the increase, but in the past six months I've paid off the card which used to have a balance, and over the past two to three months starting pumping transactions through the card to equal about 50% of the balance, then paid it down to $10.  It is my AZEO card with a balance.  I had just achieved AZEO a few weeks ago. 

 

I decided I had to work on just increasing the credit lines on cards I have now because we are going to be building a house soon and will need no hard pulls for awhile.  

 

Some history on this card.  First acquired the card in Dec 2015 at a $300 credit line when I started to rebuild.  I had a couple of credit line increases up to $1000 by about 2017.   I believe it may have been a bucketed card at one point, but a few years ago they offered a product change to a Quicksilver card with no annual fee.  

 

So it will be interesting to see if they also change the other Capital One card, which is a Quicksilver One with a $39 annual fee.  Current CL on that one is $1450.  This one has also not had a credit line increase since June of 2017.  Same approach, I've been pumping transactions through this one also up to about half of the balance, then paying it to zero before the statement date.  

 

 

 

 

 

 


Starting Scores: 595 to 610 in Sept 2016
Current Scores: Fico8 EQ737 TU661 EX689 Fico9 EQ825 TU733 EX729 Mortgage Scores EQ671 TU660 EX660
Goal Score: Fico8s 750s Fico9s 800s Mortgage Scores above 680


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Message 1 of 25
24 REPLIES 24
Blue_Collar
Regular Contributor

Re: Capital One CLI 1k to 4k!

Congratulations.....job well done!

Message 2 of 25
coreyb80
Valued Contributor

Re: Capital One CLI 1k to 4k!

Congrats on the increase!

Message 3 of 25
M_Smart007
Epic Contributor

Re: Capital One CLI 1k to 4k!

Congratulations on your Quicksilver CLI !

Message 4 of 25
MartyWrite75
Established Contributor

Re: Capital One CLI 1k to 4k!

Congratulations on your CLI!  Awesomeness!

June 2021: Experian 710 Equifax 701 Transunion 723


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 10%
Message 5 of 25
AllZero
Super Contributor

Re: Capital One CLI 1k to 4k!

Congratulations on your PCLI!
Message 6 of 25
gdale6
Moderator

Re: Capital One CLI 1k to 4k!

Nice, grats on the 4x increase Smiley Happy

Message 7 of 25
CreditAggie
Senior Contributor

Re: Capital One CLI 1k to 4k!

Congratulations on your Capital One 4X CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 8 of 25
GraceAndGratitude
New Member

Re: Capital One CLI 1k to 4k!

Congratulations 👏🏽🎉

I've been using this strategy the last 4 months and hope they increase my credit limit because it is way too low. I They have been offering me the Savor One card but I want this limit to be increased first. Last time I requested was Nov 2020 which was almost 6 months ago but utilization was through the roof for months🤦🏾‍♀️ Hoping for an automatic increase as next month will be my 7 year anniversary. If they don't auto increase I will ask June or July after my new Auto loan turns 6 months

Message 9 of 25
Ficoproblems247
Valued Contributor

Re: Capital One CLI 1k to 4k!

Congrats on a very nice Cap1 increase! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 10 of 25
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