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Capital One CLI

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Frequent Contributor

Capital One CLI

I finally got a Credit Limit Increase on my Capital One Quicksilver One Card. This is the first CLI I have received since getting the card in October 2015. Are you ready for the increase amount?

 

My credit limit went from a shameful $500 to a whopping $600. Yes, you read that right...only a $100 CLI. Credit Limit Increases are not my friend but I guess I should be happy to get anything since I have so many Chargeoffs and late payments. I even have 30/60/90 day lates on this account. I have been current without lates for the past 2 years.

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO 8
7/7/18 11/11/20
EQ 557 711
TU 566 701
EX 514 702

Mortgage Scores FICO 5,4,2
7/7/18 11/11/20
EQ 494 676
TU 480 704
EX 479 688

Goal Score 720
12 REPLIES 12
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Super Contributor

Re: Capital One CLI

Congratulations on your CLI!
Message 2 of 13
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Regular Contributor

Re: Capital One CLI

Same happened to me with my QuicksilverOne.  500 -> 600.  Took nearly a week since they were trying to contact me first (fraud alert on my CR).  I didn't know the increase until I got off the phone with the rep and logged on.  Very disappointing.

TFCU Plat Visa $12,500 | PenFed Platinum Rewards $10,000 | Synchrony Premier MC $8,000 | NFCU MoreRewards $1,000 | Purdue FCU $5,000 | Capital One BuyPower $750 | Capital One QuickSilverOne $600 | Capital One QuickSilver $1,000 | Merrick Bank $2,700 | Credit One $1,200 | Amazon Prime Card $5,000 | Walmart Store Card $1,400 | B&H Payboo Card $7,500 | Shell Gas Card $1,200 | Overstock Store Card $3,850 | Kohl's Store Card $1,500 | Comenity MasterCard $1,180 | Target RedCard $2,000
Message 3 of 13
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Community Leader
Super Contributor

Re: Capital One CLI

Yea that seems to be the norm these days. Sorry OP. Hopefully you'll get better increases in the future.


Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 13
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Moderator

Re: Capital One CLI

Grats on getting something out of them Smiley Happy

Message 5 of 13
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Regular Contributor

Re: Capital One CLI

Welcome to my world, there's plenty of company here. Enjoy that extra $100, treat yourself! Smiley LOL

AAOA: 3 yrs 6 mo | UTIL: 4% | FICO 8: TBD 05/2021
Discover it $1.5 | Wayfair MC $4.5 | Cap One QS $1.2
Message 6 of 13
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Frequent Contributor

Re: Capital One CLI

It should not be that hard to get a CLI with them. I have 3 cards with with Cap One and this is my 2nd CLI at all of my cards. I got one last year after having the card since 2014. 

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO 8
7/7/18 11/11/20
EQ 557 711
TU 566 701
EX 514 702

Mortgage Scores FICO 5,4,2
7/7/18 11/11/20
EQ 494 676
TU 480 704
EX 479 688

Goal Score 720
Message 7 of 13
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Regular Contributor

Re: Capital One CLI

@Harmony12 it shouldn't but I've learned to accept Cap One for who they are and how they work. QS card isn't going to grow, no need to drive myself nuts over it or be upset by the pitiful $100 increase offer. It is what it is. Its helping build positive payment history and I'll take that for now, once a year hits its getting closed. No hard feelings, just no thanks on these shenanigans. Good news is sooner or later both of us will be at a better place in our credit journey so this wont even be a bother. GL! Smiley Happy

AAOA: 3 yrs 6 mo | UTIL: 4% | FICO 8: TBD 05/2021
Discover it $1.5 | Wayfair MC $4.5 | Cap One QS $1.2
Message 8 of 13
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Valued Contributor

Re: Capital One CLI

Congratulations on your CLI!

Message 9 of 13
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Epic Contributor

Re: Capital One CLI

Congratulations on your Increase!!!

popcorn eating emoticon.gif

Message 10 of 13
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