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Capital One QS1 CLI

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Anonymous
Not applicable

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.
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8 REPLIES 8
CreditRebuilder2020
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? 


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 2 of 9
Anonymous
Not applicable

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
CreditRebuilder2020
Frequent Contributor

Re: Capital One QS1 CLI


@Anonymous 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. 


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 4 of 9
Anonymous
Not applicable

Re: Capital One QS1 CLI

I was pleased with it for sure. Thanks for the positive vibes.
Message 5 of 9
19eighty5
Senior Contributor

Re: Capital One QS1 CLI

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 6 of 9
NaaryalHead
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.

5k+ CLs: Chase Amazon, Cap1 QS1,
10k+ CLs: BofA Cash Rewards, Amex Cash Magnet, Citi DC, Barclays Uber, Citi Premier, Chase Saphire Preff,Cap1 Savor1



Torch bearer of the Bucketeers' Society. Shamefully carrying a bucketed Cap One QS1 with AF & zero chance of a PC.
Message 7 of 9
Anonymous
Not applicable

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
MartyWrite75
Valued Contributor

Re: Capital One QS1 CLI

Congratulations on your CLI!

March 2024: Experian 762; Equifax 767; Transunion 769


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 04/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

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