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Capital One CLI (QSO, 3 statements old)

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Capital One CLI (QSO, 3 statements old)

I've been lurking on and off and thought I should share my results. I waited a few days after the third statement cut to request a CLI. I was offererred a $3,000 CLI (total $6,000 CL).

 

I'm estonished as I was expecting maybe $1-$1.5k increase. I'm reestablishing and aside from this QSO / QS1 that is three months old, I have a 1 year old Platinum (secured) and two other CCS with small limits from other banks; all cards are PIF after every statement cycle with a balance not to exceed 15% of the total CC limit. After credit steps kicks in and after the sixth statement cycle,  I'll try my luck for another CLI on the QS1. If I hit $10k, hopefully, it'll set me up for nice balances on QS and Venture when I app from those later this year. 

MMXX intentions: Listen, forgive, and be compassionate
My Garden Goal: Mortgage ready and below 5/24


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9 REPLIES 9
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Contributor

Re: Capital One CLI (QSO, 3 statements old)

Congrats!

Message 2 of 10
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Valued Contributor

Re: Capital One CLI (QSO, 3 statements old)

Nice work!

Congrats....

Message 3 of 10
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Frequent Contributor

Re: Capital One CLI (QSO, 3 statements old)

Nice increase! Congrats.
Mar 2017: EQ 733 80 INQ | TU 768 42 INQ | EX 755 80 INQ || AMEX PRG | AMEX BGR | USAA Rewards VS $17K | USAA NAMF AMEX $15K | SECU Visa $10K | Cap1 V1 (AU) $45.75K | AMEX BCE (AU) $10K | Marvel MC $25K | Walmart MC $10K | Freedom $12.2K | USAA Cash Rewards VS $18K | Walmart SC $25K | PENFED CR $9K | AMEX EDP $24K | Banana Republic SC $10K | MECU $10K | Amazon SC $25K | Barclays Apple Rewards $10K | J. Crew $13.6K | Cap1 PlayStation $3K | Cap1 QS1 $2.6K | Business: AMEX Green NPSL | AMEX SimplyCash $2K | AMEX Blue for Business $3K | Cap1 Spark Visa $7.5K | Amazon Rev. $2.5K | Amazon PIF (No PG) $1K | Walmart (No PG) $2.5K | Chase Marriott Business $30K | Chase Ink $14K
Message 4 of 10
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Frequent Contributor

Re: Capital One CLI (QSO, 3 statements old)


@taxdoc wrote:

I've been lurking on and off and thought I should share my results. I waited a few days after the third statement cut to request a CLI. I was offererred a $3,000 CLI (total $6,000 CL).

 

I'm estonished as I was expecting maybe $1-$1.5k increase. I'm reestablishing and aside from this QSO / QS1 that is three months old, I have a 1 year old Platinum (secured) and two other CCS with small limits from other banks; all cards are PIF after every statement cycle with a balance not to exceed 15% of the total CC limit. After credit steps kicks in and after the sixth statement cycle,  I'll try my luck for another CLI on the QS1. If I hit $10k, hopefully, it'll set me up for nice balances on QS and Venture when I app from those later this year. 


You might go on chat and see if there are any offers available to you. 1yr with a secured CC should be available for a PC I would think. If I'm right, the Plat would PC to a Quicksilver with $0 AF and 1.5% cash back on all purchases and then you could combine your QS1 into it after the 6mth CLI. I say all this without a good understanding of all the ins and outs of the older versions of the Plat. Different folks get different results so it's hard to nail this one down completely but the caht will cost you nothing and you may come out smelling like a rose.


If you do, let us know how it went.

CCT Opening Scores 1/22/2016 EX581 - EQ569 - TU596 Current myFICO: (As of 4/13/16) EX676 - EQ662 - TU693
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Senior Contributor

Re: Capital One CLI (QSO, 3 statements old)

Nice, congrats on the CLI

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Frequent Contributor

Re: Capital One CLI (QSO, 3 statements old)

Thanks for the tip skybuilder. I have a small balance on the Platinum so I'll pay that off and see if they'll offer me a product change after the April statement cuts. Thanks for the suggestion / tip even if its YMMV. 

MMXX intentions: Listen, forgive, and be compassionate
My Garden Goal: Mortgage ready and below 5/24


Last spade:Current spade:
Message 7 of 10
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Super Contributor

Re: Capital One CLI (QSO, 3 statements old)

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
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Regular Contributor

Re: Capital One CLI (QSO, 3 statements old)

Can you PC a secured card?! I was unaware of this .. if this is the case?

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Frequent Contributor

Re: Capital One CLI (QSO, 3 statements old)

A CSR last week told me that you cannot PC a secured card..



CapOne QS $3000 - BlisPay Visa $3200 - NFCU CashRewards $10000- NavCheck $15000- AMEX PRG npsl - AMEX BCP $3000 - AMEX ED $5000 - Marathon store card $900 - Shell store card $800 - Chase Sw Visa $4000 - Chase Amazon Visa $2000 - Wayfair $3000 - - Cabelas $2000 - Santander Sphere $2800. TCL $63500
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