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CapitalOne Quicksilver CLI approved

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Valued Member

CapitalOne Quicksilver CLI approved

About a month ago, I was denied a CLI from CapitalOne Quicksilver. Came on here to the MyFico forums and got the good advice to keep on putting spend onto the card and paying it off and to try again. Well, I did try again today and got a $1,500 CLI!  I was on $6,800 and now I'm up to $8,300. Not quite the $10,000 I was looking for, but, a CLI is a CLI and it's always welcome! 

Starting Score: 680
Current Score: 754
Goal Score: 775


Take the myFICO Fitness Challenge
EX8 = 754 EQ8 = 730 TU8 = 770
EX9 = 763 EQ9 = 762 TU9 = 754 . November 9, 2019
AooA = 4 years, 4 months. AAoA = 2 years, 1 month. AoYA = 12 months.
Message 1 of 10
9 REPLIES 9
Super Contributor

Re: CapitalOne Quicksilver CLI approved

Thats how you work it. Congrats!!!!!!!!!!!!





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 2 of 10
Valued Contributor

Re: CapitalOne Quicksilver CLI approved

Good Job! Smiley Happy

 

Capital One takes patience.

You need to be using the card regularly for at least three months before applying.

You need to pay your bill on time or early.

You should expect only one CLI once every six months.

You won't get to talk to anyone; it's all automated.

The CLI's are usually pretty small, so a $1,500 increase from that starting point is typical.

Mark your calendar and keep hitting it exactly at the six-month point! 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 3 of 10
Contributor

Re: CapitalOne Quicksilver CLI approved

Congrats! It's difficult to get Cap1 to open up their pockets. Glad the persistence paid off.

Current Collection:

Future Additions:
Message 4 of 10
Super Contributor

Re: CapitalOne Quicksilver CLI approved

 

Congratulations!

 

Message 5 of 10
Valued Contributor

Re: CapitalOne Quicksilver CLI approved

Congrats!

Yes Cap1 likes their cards to have calluses first before they open up to CLIs!

They even think my $1K a month spend is “Not enough Usage” to merit CLI!
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 6 of 10
Regular Contributor

Re: CapitalOne Quicksilver CLI approved

congratulations on your cli! 1500 is better than nothing.





NFCU Flagship Rewards: $15000
NFCU Cash Rewards: $20000
Discover It: $2000
My Jewelers Club: $5000
NFCU Auto Loan: $14300
NFCU line of credit: $500
Total TLs: $42500
Message 7 of 10
Valued Contributor

Re: CapitalOne Quicksilver CLI approved

Congrats on your Cap One QS increase!

Currently: Gardening since 12/29/2019


Message 8 of 10
Established Contributor

Re: CapitalOne Quicksilver CLI approved

Congrats!! And to think I was going to ask if I can go from my 5k limit to 10k on my QS in a few months. I guess I can hang that idea up.
Make More, Spend Less

Scores as of 10/21/2019


Goal Cards (in order): CSP, AMEX Platinum
Message 9 of 10
Regular Contributor

Re: CapitalOne Quicksilver CLI approved


@black_citi wrote:
Congrats!! And to think I was going to ask if I can go from my 5k limit to 10k on my QS in a few months. I guess I can hang that idea up.

how u get approved for chase and amex with these low 600s score?






NFCU Flagship Rewards: $15000
NFCU Cash Rewards: $20000
Discover It: $2000
My Jewelers Club: $5000
NFCU Auto Loan: $14300
NFCU line of credit: $500
Total TLs: $42500
Message 10 of 10
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