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Giant cap 1 cli out of the clear blue sky

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wambeezy
Regular Contributor

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 🤷🏻‍♂️

Amex Blue Cash 25K
Apple Card $8500
Amex ED 1K
Amex Cash Magnet 1K
Bloomingdales Amex 25K
Best Buy Citi 20K
Discover IT $17,500
Discover IT (2nd) 10K
PenFed 20K
US Bank Cash + $25K
Iddeal Comenity $29,950
Barclays View Mastercard $13,500
Citi Double Cash $10,400
CSP $21,700
Chase Amazon Visa $25K
Message 31 of 45
SUPERSQUID
Valued Contributor

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 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 32 of 45
luckydiva95
Valued Member

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 $7,300| Credit one $2,850| Capital One Secured $500| Barclay View $6,250| Amazon Chase $2,700| Discover It $8,100| AMEX Everyday Preferred $12,000| Wells Fargo Active Cash $7,500| AMEX Blue Cash Preferred $10,000| Apple Card $3,500| Best Buy Visa $5,000| Citi Custom Cash $5,000| Chase Sapphire Preferred $9,500|Chase Unlimited Freedom $9100
Message 33 of 45
SUPERSQUID
Valued Contributor

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 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 34 of 45
Zoostation1
Regular Contributor

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:
Dec 2022 FICO 8:
Dec 2022 FICO 9:
Message 35 of 45
SUPERSQUID
Valued Contributor

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 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 36 of 45
CreditCharmer
Regular Contributor

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


Message 37 of 45
learningcredit54
Regular Contributor

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

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

2022 just got a decent profile back

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 600 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750


GOAL SCORES 750 ACROSS
Message 38 of 45
SweetCreditObsession
Valued Contributor

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: 807

Initial Goal: Min. 740 w/all CRAs - Met
Next Goal: Amex BCE
Current Goal(s): Min. 780 w/all CRAs
Gardening Until: ??/??/202?| Last App: 7/21/2021
Message 39 of 45
Legal_Girl
Frequent Contributor

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 - 775/EX - 760/TU - 764/Quicksilver $3,500 / Cred 1 $2,625 / 1st Natl $4,250/ Kohl $5k / Mercury MC $4,400 / NFCU Visa Sig Cash Rew $23k/ Lowes $25k / Best Buy Visa $11k/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom Unlimited $1,500 / Discover IT $23,000 / Discover IT Chrome $15,500 / Citi DC $7,300 / AMEX Blue Cash Preferred $2,800 / Citi Simplicity $9,900 / Citi Premier $3,700 / Care Credit $10k/ AMEX Gold
Message 40 of 45
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