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Capital One Quicksilver One CLI success!

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New Contributor

Capital One Quicksilver One CLI success!

I know a lot of people on here complain about Cap1 and to a degree I see their point.   Here's a quick success story.  Started last year with horrible credit.  Cap1 was the only people to give me an unsecured Platinum card with a SL of $350.  That card auto CLI'd to $500 at the six month mark.  During that time I also applied for and was approved for a QS1 card with a SL of $1000 which had an auto CLI to $1500 at the six month mark.  


My platinum card was PC'd to a QS card but remained at $500 and eventually they gave me a measly $100 CLI to $600.   Well today my QS1 card hit one year old and was eligable for a CLI so I hit the love button expecting maybe a $500 dollars increase.... I got a $5000!   So now my QS1 is at $6500 limit!  I use the card for everything and pay in full every month.  Usually spend about $2500 a month on it.   They were very generous to me today.  Just wanted to share my experience with them so far and show a little love to them in a forum full of people that dislike them. 

Message 1 of 18
Established Contributor

Re: Capital One Quicksilver One CLI success!

Thats amazing, congrats on the CLI.



Authorized User
Message 2 of 18
Established Contributor

Re: Capital One Quicksilver One CLI success!

Congrats indeed

((This needs to be updated just added new card))INQ's: EQ: 6 TU: 1 EX: 0 (last 24 mo.)
Recent Accounts: 7-that caused inquires (last 24 mo.)
Total CL: 14.8k Util. LOL% AAoA: 1 yrs, 4 mo.
AoOA: 5 yrs, 2 mo. AoYA: 0 yr, 3 mo.--I think I did the AA/Ao's Right LOL
Message 3 of 18
Valued Contributor

Re: Capital One Quicksilver One CLI success!

Cap One can be extremely generous.

Sometimes one needs to open a new account, but generous all the same.


Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.


5% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - PenFed & Capital One

Message 4 of 18
Established Contributor

Re: Capital One Quicksilver One CLI success!

Congrats. Those that have success with CLIs on Capital One cards are those that utilize the cards regularly and for significant amounts, as you’ve shown.
Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
Message 5 of 18
Established Contributor

Re: Capital One Quicksilver One CLI success!

Congrats on your success. I actually liked Cap One when I had my QS. I closed it in Nov due to the fact that I was trimming my cards down. They gave me 2 or 3 of instant CLI over the almost 4 years going from 10k to 16k. The last time I hit the button they had to review it and denied me. It was just as well as I didn't need it but was trying to increase my total credit after closing another card. I really have nothing bad to say about Cap One other than the triple pull most people complain about when applying for their cards. 

Message 6 of 18
Established Contributor

Re: Capital One Quicksilver One CLI success!

Congrats and thanks for Sharing your experience

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | NFCU More Rewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 7 of 18
New Contributor

Re: Capital One Quicksilver One CLI success!

Thanks everyone, I was really shocked they gave me such a high increase.  Hopefully in another 6 months they will give me even more.  

Message 8 of 18

Re: Capital One Quicksilver One CLI success!

Excellent CLI out them, if they gave 2% rebate instead of 1.5% I would use my card more, at this point it is used to keep it alive once or twice a year. Grats on getting the 5K Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 9 of 18
Super Contributor

Re: Capital One Quicksilver One CLI success!

Congrats. Once they like you they will give out nice CLI's and future apps will yield good results also. First one was $1200 Plat for me. And approvals were all at 10k for the 3 below afterwards.

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 10 of 18
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