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Giant cap 1 cli out of the clear blue sky

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Bk2006
Established Member

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

Congratulations on your mega-CLI! Very unusual for Cap1. I was never able to get mine over a $1600 limit even after years of being in "prime" territory, so I closed it in 2020.

11/2022 TU 676 - EX 685 - EQ 705
Current Cards: PSECU $20,000 - NFCU Cash Rewards MC $17,900 - Chase Southwest $15,000 - Citi AAdvantage Platinum $9,500 - Apple Card $6,000 - PenFed Promise $5,000 - Truist Enjoy Cash $4,500 - Comenity Bread Cashback Amex $3,500 - BoA BankAmericard $2,800 - UVA Credit Union Visa Classic $1,600
Message 21 of 45
HappyGoLucky4U
New Contributor

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


@SUPERSQUID wrote:

@HappyGoLucky4U 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


That's amazing!  Could you share some of your stats? Score, new accounts, inquiries and any other information with the usage of the card prior to the PCLI?  Thank you?


Sure, I outlined my usage to Anonomalous upthread.

My fico's are in the 680's - 690's range, my inqs are  17.

My new accounts are quite a few  4/6 mos,7/12 mos, 13/24 mos.


Thank you!  It seems like you were eligible for a cli after the cli you requested in April 2022 and this one was a proactive cli

Message 22 of 45
SUPERSQUID
Valued Contributor

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


@HappyGoLucky4U wrote:

@SUPERSQUID wrote:

@HappyGoLucky4U 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


That's amazing!  Could you share some of your stats? Score, new accounts, inquiries and any other information with the usage of the card prior to the PCLI?  Thank you?


Sure, I outlined my usage to Anonomalous upthread.

My fico's are in the 680's - 690's range, my inqs are  17.

My new accounts are quite a few  4/6 mos,7/12 mos, 13/24 mos.


Thank you!  It seems like you were eligible for a cli after the cli you requested in April 2022 and this one was a proactive cli


It seems, at least in my case its better not to request a cli.

my auto cli's on this card were 1500 and 3000, my requested cli was 200.

also something about letting a balance post pleases them, i did the same thing with the target red card and grew it from 300 - 1000, plus on the red card i only update my income when it actually goes up, once a year.

{ 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 23 of 45
OmarGB9
Community Leader
Super Contributor

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

Very nice CLI! Congrats!


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 24 of 45
mrcrisp023
Regular Contributor

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

Nice that's awesome, congrats!

Capital One SavorOne: $3000 / Bank of America Unlimited Cash Rewards Visa Signature: $500 / Mission Lane: $1000 / Merrick: $1000 / CreditOne Amex: $600 / OpenSky: $300

Starting 09/2022 MyFico 08: EQ 648 / TU 659 / EX 644
Current MyFico 08: EQ 659 / TU 675 / EX 663

2022 EOY Goal: 700 / 2023 EOY Goal: 750
Message 25 of 45
h2oeng
New Contributor

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

Congrats...  Cap1 Quicksilver was my first card when I started rebuilding last Aug, $500 CL.  Since then I've gotten a $100 CLI from them, lol.  I sockdrawed the card last spring but have 2 charges to the card monthly ($120 or so each month).  I paid the AF this year only b/c it's my oldest card.  I'll probably cancel it next Aug, not worth the hassle if they aren't going to show me any love.    

Message 26 of 45
fullacrobat5
Regular Contributor

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

Congratulations on your Cap1 CLI !!

Message 27 of 45
CreditAggie
Community Leader
Super Contributor

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

Congratulations on your Capital One CLI!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 M):  
Banks & CUs:                           Goal Cards:
    
Message 28 of 45
Suzette2
Frequent 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


I must say this is amazing!!! I got to $800. I've pretty much written them off and SD 

6/20 :12/22 :
Message 29 of 45
SUPERSQUID
Valued Contributor

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


@Suzette2 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


I must say this is amazing!!! I got to $800. I've pretty much written them off and SD 


I was sure i was bucketed at 2k, this was a big surprize.

{ 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 30 of 45
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