Re: Capital One CLI

Rdbeetle · ‎03-01-2023

Congrats on the Walmart CLI!!!

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
AMEX BCE $1k
FICO 8 Scores: EQ 808 I EX 793 I TU 806

Ravensfan899 · ‎03-01-2023

Exactly. I'll just never understand their logic. I got approved for the Savor one last month with a 10k limit. They bump the Walmart card to $4,500 but that little quicksilver is still sitting at $1,500. It's been my lowest limit card for years now but it's my oldest account so I let it live.

NoMoreDebt · ‎03-01-2023

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

Zoostation1 · ‎03-01-2023

Congrats on the $3k CLI!

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

Mar 2025 FICO 8:

Mar 2025 FICO 9:

nytokyobred79 · ‎03-02-2023

Congratulations on your cli 😀 @Ravensfan899

Hopefully, the QS will one day let you get a CLI as well.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

Anonymalous · ‎03-02-2023

@Ravensfan899 wrote:
@Ravensfan899 wrote:
This morning I submitted a CLI on my quicksilver and Wal-Mart cards. On the quicksilver I got the message stating we will let you know our decision in 2-3 days. I'm convinced I'll never get an increase on that card. On the Wal-Mart card on the other hand it offered me an instant increase of $3,000!
Update. They declined my increase on the quicksilver. The reasoning was insufficient income. How does that make sense 🤔 I guess that card is forever in the bucket.

They're required to give a reason, and there's a list of standard reasons, so they pick one, even if it's not a particularly good fit. That's probably even more true in this age of machine learning, because one of the traits of deep learning is it's very hard to explain why the algorithms work. You may really be rejected for a complex set of factors that are hard to explain, but they're just giving you a stock answer. So don't worry too much about the reasons. I got an insufficient recent use of my credit line rejection after 6 months where my spend averaged about 2/3rds of my CL, which doesn't seem to make any sense either.

But that doesn't necessarily mean you'll be in the bucket forever. I got that rejection letter the day after Christmas, and on New Year's Eve, they spontaneously increased my CL from $300 to $3,300.

M_Smart007 · ‎03-02-2023

Congrats on your Cap1 CLI.

OmarGB9 · ‎03-02-2023

Congrats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CreditAggie · ‎03-02-2023

Congratulations on your Walmart CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (March 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

CRound45 · ‎03-03-2023

Congrats! I did the same request on my QS. They offered me $100 increase. Whatever, ill take it lol

Current Cards:

Capital One CLI

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