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Capital One QS1 CLI

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Capital One QS1 CLI

Hello all— I was reading some great posts about requesting a CLI on capital one cards before the credit steps increase applies. I didn’t realize this with my platinum (now QS) so I decided to give it a shot with my QS1 since I am just passed statement 3 and recieved an offer of a 300 cli to $3300 (yay!). I will likely wait until the credit steps increase applies to this in 3 months and until I am elgible for another increase with my QS and combine the cards to avoid AF. Thanks for the great luv button info. It is leading to some small but successful strides! I’m now counting down until I can 3 x 61 my AMEX revolver.


Message 1 of 9
8 REPLIES 8
Frequent Contributor

Re: Capital One QS1 CLI

$300 to $3300????? 

Wow that's generous! Congrats! 

 

Can you give some of your data points, FICOS to be exact? 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 2 of 9
Member

Re: Capital One QS1 CLI

Sorry let me clarify— Original cl upon approval was 3000. 300 CLI from 3k to 3300. Current fico EQ 629 TU 639 EX 638


Message 3 of 9
Frequent Contributor

Re: Capital One QS1 CLI


@bb123 wrote:
Sorry let me clarify— Original cl upon approval was 3000. 300 CLI from 3k to 3300. Current fico EQ 629 TU 639 EX 638

Ahhh that makes more sense, still though, That's something to get $3,000 right off the bat with the QS1, it's usually much lower with most first time approvals. Great CLI. 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 4 of 9
Member

Re: Capital One QS1 CLI

I was pleased with it for sure. Thanks for the positive vibes.


Message 5 of 9
Senior Contributor

Re: Capital One QS1 CLI

Congratulations on your CLI!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 9
Regular Contributor

Re: Capital One QS1 CLI

Hey congrats on the nice increase.

Can you share some data points like how much you purchase on the card each month, how much is reported in balancd and how often and how much you pay?

I've been paying in full but haven't had luck with cli on my QS1.
BofA Cash: 6k
Citi Premier: 5k
Citi DC: 4k
Chase Amazon: 4k
Cap1 QS1: 1.5k
Barclays Uber: 0.5k







Next App in: Late Oct 2019

Torch bearer of the Bucketeers' Society. Shamefully carrying a bucketed Cap One QS1 with AF & zero chance of a PC.
Message 7 of 9
Member

Re: Capital One QS1 CLI

Thanks! Yes, I am currently trying to get in the habit of the AZEO method so I rarely allow a balance to report and if I do it is less than 8.9%. That being said, currently reporting balance is $0. I do use the card often for the cashback and probably spend ~ $500-1000/mo but then I make multiple payments throughout the month. Hope this helps!


Message 8 of 9
Established Contributor

Re: Capital One QS1 CLI

Congratulations on your CLI!

October 2019 Current Scores: Experian-670
TransUnion-680
Equifax-696
Goal for 2019: Scores of 675 all across the board.
Gardening until Spring 2020

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.8K
Walmart Store Card $500
Ollo Rewards Card $800
Amazon Store Card $1K

Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 30%
No baddies
Inquiries to Date- 3


Message 9 of 9
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