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Giant cap 1 cli out of the clear blue sky

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wambeezy
Regular Contributor
‎11-10-2022 09:33 PM
‎11-10-2022 09:33 PM

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

Very nice increase. Congrats 🍻

 

Cap 1 sure didn't like me. My QS was at $500 and Platinum was at $800. I gave up and closed both of them 2 yrs ago 🤷🏻‍♂️

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SUPERSQUID
Valued Contributor
‎11-11-2022 12:48 AM
‎11-11-2022 12:48 AM

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

@wambeezy wrote:

Very nice increase. Congrats 🍻

 

Cap 1 sure didn't like me. My QS was at $500 and Platinum was at $800. I gave up and closed both of them 2 yrs ago 🤷🏻‍♂️

Before my bk7 i had a cap 1 QS that stayed at 500 for 20 years, ouch.

in fact i had 6 cap 1 cards then and none of them grew, 2 QS, 2 platinum, i forget what the other 2 were, 500 x2, 500x2, 1500, 2100 .respectively.

At one point back then i had 7 cap 1 cards but i closed 1. it was a time when cap 1 was buying other banks thats how i wound up with so many cap 1's.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, 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
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 32 of 45
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luckydiva95
New Contributor
‎11-11-2022 02:04 AM
‎11-11-2022 02:04 AM

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

Nice! I just tried for a CLI and they won't budge for me. My QS was my go to card for everything in the past before I applied for other cards. Now I only keep it for history. 

Capital One QS $8,000| Credit one $3,150| Capital One Secured $500| Barclay View $6,250| Amazon Chase $2,700| Discover It $12,100| AMEX Everyday Preferred $15,000| Wells Fargo Active Cash $7,500| AMEX Blue Cash Preferred $17,900| Apple Card $4,000| Best Buy Visa $5,000| Citi Custom Cash $6,500| Chase Sapphire Preferred $9,500|Chase Unlimited Freedom $9100
Message 33 of 45
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SUPERSQUID
Valued Contributor
‎11-11-2022 02:52 AM
‎11-11-2022 02:52 AM

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

@luckydiva95 wrote:

Nice! I just tried for a CLI and they won't budge for me. My QS was my go to card for everything in the past before I applied for other cards. Now I only keep it for history. 

The QS in your siggy is a nice limit, 7300.

Actually 5k on any of my cards is an adequite limit for me. I really dont spend a lot per month, somewhere between 1000 and 2000 depending on my needs. I am retired and have no need for high limits.

Its nice to have the higher limits in case of emergency though.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, 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
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 34 of 45
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Zoostation1
Established Contributor
‎11-11-2022 11:10 PM
‎11-11-2022 11:10 PM

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

Nice CLI!  I'm using my SavorOne as my main daily driver (luckilly it covers most of my biggest spend areas at 3%) to try and get a CLI as soon as I am eligble.  Hopefully your SavorOne will get a decent bump in the future too.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
April 2024 FICO 8:
April 2024 FICO 9:
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SUPERSQUID
Valued Contributor
‎11-12-2022 01:15 AM
‎11-12-2022 01:15 AM

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

@Zoostation1 wrote:

Nice CLI!  I'm using my SavorOne as my main daily driver (luckilly it covers most of my biggest spend areas at 3%) to try and get a CLI as soon as I am eligble.  Hopefully your SavorOne will get a decent bump in the future too.

My last cli's on the savor one and QS were 1 week apart last time but SO only gave me 100 and QS only gave me 200.

If i get lucky again i might get a cli on my savor one soon, i wont request i will just see if they automatic me.

I use the SO the second most of my cards 400 - 600 a month, the only card i use more is  the NFCU cash rewards.

Fingers crossed for both of us.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, 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
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 36 of 45
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CreditCharmer
Regular Contributor
‎11-13-2022 09:46 PM
‎11-13-2022 09:46 PM

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

i heard Cap1 can be stingy at times.  I'm glad you received some of their generosity. 
C2CE6630-7885-49CC-9D83-5604D52346F7.jpeg

 

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


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learningcredit54
Regular Contributor
‎11-14-2022 04:11 AM
‎11-14-2022 04:11 AM

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

Great CLI. It must have been a huge surprise coming from Cap1. Congrats!!

Business Cards:
Amex Business Plus: 6000 // Amex Business Hilton Honors: 3000 // Amex Delta Gold: 4900 // Amex Business Platinum NPSL POT 5000 // Amex Business Gold NPSL POT 15000

Personal Cards:
Discover It Cash Back: 8000 // Chase Saphire Preferred: 5000 // Truist Enjoy Beyond: 4500 // Amex Blue Cash Preferred: 1000 // Cap1SavorOne: 2000 // Cap1 Secured Platinum: 200 // Cap1 QuiksilverOne 2000 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750


GOAL SCORES 750 ACROSS
Message 38 of 45
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SweetCreditObsession
Valued Contributor
‎11-18-2022 02:22 PM
‎11-18-2022 02:22 PM

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

Congratulations!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




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Legal_Girl
Frequent Contributor
‎11-18-2022 05:42 PM
‎11-18-2022 05:42 PM

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

Wow... Congratulations.. I couldn't get a credit limit increase from them if I ruled the world.. Every other card I have - yes, Capital One - No.

Homeowner Again as of July 17, 2014. Thanks to the VA and NFCU. FICOs EQ - 786/EX - 782/TU - 778/Quicksilver $3,500 / Cred 1 $2,875 / 1st Natl $4,250/ Kohls Visa $5k / Mercury MC $5,850 / NFCU Visa Sig Cash Rew $27k/ Lowes $25k / Best Buy Visa $11k/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom Unlimited $1,500 / Discover IT $27,000 / Discover IT Chrome $21,500 / Citi DC $7,300 / AMEX Blue Cash Preferred $17,500 / Citi Simplicity $18,500 / Citi Premier $8,200 / Care Credit $10k/ AMEX Gold - NSL / Chase Sapphire Preferred $20,500
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