cancel
Showing results for 
Search instead for 
Did you mean: 

Capital One CLIs

tag
mgood
Valued Contributor

Capital One CLIs

I hit the six month mark since the last CLI on my Cabela's card so I logged in to see if they'd give me my biannual $100 insult and was mildy surprised to get a $150 increase. From $800 all the way up to $950.

Yay Smiley Indifferent

I was actually a couple days short of six months, but my statement period closed yesterday and I figured I'd spin the wheel and see what happened.

It's been almost a year since my last CLI on the Quicksilver, Jan 29, 2021. They denied me for the usual six-month increase and I've been app'ing every couple weeks since then, lol. After getting approved on the Cabela's card, I decided to try the QS while I was there and received the $500 bump I expected half a year ago. Raised my limit from $5350 to $5850.

 

These are my two oldest cards and the Cabela's card is my lowest limit while the QS is my 3rd lowest. Perfect payment history on both.

 

My predicted amounts come from Curious George's excellent thread on Cap 1 CLI research:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/How-to-get-a-CLI-from-Capital-One/td-p/619...

@Curious_George2 wrote:

Regarding amounts, here is my best guess at their standard offers right now when they grant a cardholder's request for a CLI.

 

If your limit is thisYour likely CLI amount
$1600 or lower, not in Credit Steps $100
$1601 to $2500 $200
$2501 to $3500 $300
$3501 to $4500 $400
$4501 to $7000? $500
$7001? to $9000?$750
$9001? to $12,000$1000

 


Since he posted that, Cap 1 has supposedly changed their policies on credit limits at least once, but my increases are pretty close to what his chart shows.

 

EDIT: Scores in my sig are current. Utilization is higher than what I usually carry due to spending too much money over the holidays.



EQ8 780, TU8 748, EX8 770 as of January 1
AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24
Message 1 of 10
9 REPLIES 9
CreditAggie
Community Leader
Super Contributor

Re: Capital One CLIs

Congratulations on your Capital One CLIs!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 2 of 10
Reviewers
Established Contributor

Re: Capital One CLIs

Congratulations on your CAP1 CLIs!

Message 3 of 10
Cowboys4Life
Frequent Contributor

Re: Capital One CLIs

Hang in there.  I was rebuilding and they were doling out those piddly CLIs for a while.  Now both my Cap1 cards have been given $3k increases in the past 2 months.  It will happen.

Message 4 of 10
gdale6
Moderator Emeritus

Re: Capital One CLIs

Grats to your success with Capital One Smiley Happy

Message 5 of 10
cashorcharge
Community Leader
Super Contributor

Re: Capital One CLIs

That's terrific!!  Congratulations on your Cap1 Approvals!! 🎉🥂👏

Message 6 of 10
CreditMagic7
Mega Contributor

Re: Capital One CLIs

Congratulations on your new Capital One increase!!

Message 7 of 10
AverageJoesCredit
Legendary Contributor

Re: Capital One CLIs

Nice jobSmiley Happy

Message 8 of 10
Total80sKid
Senior Contributor

Re: Capital One CLIs

Congrats on your Cap One increases 👍🏼

Message 9 of 10
Irv02
Established Contributor

Re: Capital One CLIs

Congrats on your CLI!!

Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.