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Giant cap 1 cli out of the clear blue sky

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SUPERSQUID
Valued Contributor

Giant cap 1 cli out of the clear blue sky

I just got an email from cap 1 that my QS just got a bump to 5k, was previously 2k.

i havent used the card for a couple of months until this month when i charged 6 bucks on it, otherwise i would pif each month. i was using up to 800 a month of cl before about 3 months ago. i thought this card was bucketed because it started as a 300 platinum  may 2021.

300 - 1800 - 2000 - 5000 since may 2021.

my only requested cli was the 1800 - 2000 one  april 2022

{ BK7 DC 12/2019 } target 1000/ kohls 3000/ discover IT cb 5500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 7.5k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
Message 1 of 45
44 REPLIES 44
GatoradeZeroGuy
Frequent Contributor

Re: Giant cap 1 cli out of the clear blue sky

Congrats on the CLI, wow! 

Starting FICO 8s

Current FICO 8s

Current FICO 9s



Message 2 of 45
Ontherise2020
Frequent Contributor

Re: Giant cap 1 cli out of the clear blue sky

Congrats on the CLI! 

FICO Scores:
EX 722
TU 762
EQ 767

Message 3 of 45
Anonymalous
Established Contributor

Re: Giant cap 1 cli out of the clear blue sky


@SUPERSQUID wrote:

I just got an email from cap 1 that my QS just got a bump to 5k, was previously 2k.

i havent used the card for a couple of months until this month when i charged 6 bucks on it, otherwise i would pif each month. i was using up to 800 a month of cl before about 3 months ago. i thought this card was bucketed because it started as a 300 platinum  may 2021.

300 - 1800 - 2000 - 5000 since may 2021.

my only requested cli was the 1800 - 2000 one  april 2022


Congratulations, that's amazing!

 

Our situations should be comparable, because my Quicksilver also started as a Platinum with a $300 SL in May 2021. But I haven't gotten a single CLI. Any tips? My spend's been on and off -- token spend for the first couple months, then a few months where I spent up to 150% of the CL, then token spend for a few months (I got frustrated and sockdrawered it), and then back up to about 2/3rds the CL for the last few months. I always PIF, and don't let any significant balances report.

Message 4 of 45
CYBERSAM
Senior Contributor

Re: Giant cap 1 cli out of the clear blue sky

Congrats on your Cap1 QS CLI 🤑👍







              
Message 5 of 45
SUPERSQUID
Valued Contributor

Re: Giant cap 1 cli out of the clear blue sky


@Anonymalous wrote:

@SUPERSQUID wrote:

I just got an email from cap 1 that my QS just got a bump to 5k, was previously 2k.

i havent used the card for a couple of months until this month when i charged 6 bucks on it, otherwise i would pif each month. i was using up to 800 a month of cl before about 3 months ago. i thought this card was bucketed because it started as a 300 platinum  may 2021.

300 - 1800 - 2000 - 5000 since may 2021.

my only requested cli was the 1800 - 2000 one  april 2022


Congratulations, that's amazing!

 

Our situations should be comparable, because my Quicksilver also started as a Platinum with a $300 SL in May 2021. But I haven't gotten a single CLI. Any tips? My spend's been on and off -- token spend for the first couple months, then a few months where I spent up to 150% of the CL, then token spend for a few months (I got frustrated and sockdrawered it), and then back up to about 2/3rds the CL for the last few months. I always PIF, and don't let any significant balances report.


It must be partly luck. the first 5 months i had the card i used 40 pct of the cl each month and pif AFTER the statement cut , 300 - auto to 1800 at 5th month. then i used the card every month and kept at least a 30 - 40 pct of cl running balance and at month 11 i requested a cli and got 200, 1800 - 2000. then i carried about a 40 pct running balance using the card every month but 3 months ago i paid it to zero and let it sit 2 months, this month i put 1 6 dollar charge on it. cap 1 is a head scratcher.

{ BK7 DC 12/2019 } target 1000/ kohls 3000/ discover IT cb 5500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 7.5k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
Message 6 of 45
Anonymalous
Established Contributor

Re: Giant cap 1 cli out of the clear blue sky


@SUPERSQUID wrote:

@Anonymalous wrote:

@SUPERSQUID wrote:

I just got an email from cap 1 that my QS just got a bump to 5k, was previously 2k.

i havent used the card for a couple of months until this month when i charged 6 bucks on it, otherwise i would pif each month. i was using up to 800 a month of cl before about 3 months ago. i thought this card was bucketed because it started as a 300 platinum  may 2021.

300 - 1800 - 2000 - 5000 since may 2021.

my only requested cli was the 1800 - 2000 one  april 2022


Congratulations, that's amazing!

 

Our situations should be comparable, because my Quicksilver also started as a Platinum with a $300 SL in May 2021. But I haven't gotten a single CLI. Any tips? My spend's been on and off -- token spend for the first couple months, then a few months where I spent up to 150% of the CL, then token spend for a few months (I got frustrated and sockdrawered it), and then back up to about 2/3rds the CL for the last few months. I always PIF, and don't let any significant balances report.


It must be partly luck. the first 5 months i had the card i used 40 pct of the cl each month and pif AFTER the statement cut , 300 - auto to 1800 at 5th month. then i used the card every month and kept at least a 30 - 40 pct of cl running balance and at month 11 i requested a cli and got 200, 1800 - 2000. then i carried about a 40 pct running balance using the card every month but 3 months ago i paid it to zero and let it sit 2 months, this month i put 1 6 dollar charge on it. cap 1 is a head scratcher.


Interesting, so you spent about $600 in the first 5 months (0.4x300x5), while I spent about $450 in month 5, and more than $400 in month 6. So it's clearly completely unrelated to total spend. If I had to guess, they're looking for consistent spend over time, which I've been bad at. Or allowing the balance to report.

 

But yeah, I don't understand Capital One at all.

Message 7 of 45
SouthJamaica
Mega Contributor

Re: Giant cap 1 cli out of the clear blue sky


@SUPERSQUID wrote:

I just got an email from cap 1 that my QS just got a bump to 5k, was previously 2k.

i havent used the card for a couple of months until this month when i charged 6 bucks on it, otherwise i would pif each month. i was using up to 800 a month of cl before about 3 months ago. i thought this card was bucketed because it started as a 300 platinum  may 2021.

300 - 1800 - 2000 - 5000 since may 2021.

my only requested cli was the 1800 - 2000 one  april 2022


Congratulations. A nice surprise.


Total revolving limits 721200 (619200 reporting) FICO 8: EQ 725 TU 723 EX 700

Message 8 of 45
NoMoreE46
Community Leader
Valued Contributor

Re: Giant cap 1 cli out of the clear blue sky

$300 to $5000 is a 1,567% increase within just 17 months- nice.

 

 

Message 9 of 45
SUPERSQUID
Valued Contributor

Re: Giant cap 1 cli out of the clear blue sky


@NoMoreE46 wrote:

$300 to $5000 is a 1,567% increase within just 17 months- nice.

 

 


And what makes it more bizarre is i burned cap 1 for about 5k in my bk7 in dec 2019.

 

EDIT - LOL, My cash advance limit is still 150.00 tho.

{ BK7 DC 12/2019 } target 1000/ kohls 3000/ discover IT cb 5500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 7.5k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
Message 10 of 45
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