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SHOCKING Walmart Cap One Store Card Auto-CLI

tenaya
Frequent Contributor

SHOCKING Walmart Cap One Store Card Auto-CLI

I got accepted for a Walmart (Synchrony then) in I think January of 2019, with a limit of $200. It was raised to $500 I think in September or something? (Right before the switch over to Capital One.) No CLIs since. I've asked many times.

 

I got a Cap 1 Quicksilver ($1K limit) about 8 months ago and recently asked for a CLI. They raised it by a whopping ONE HUNDRED DOLLARS! Woo hoo! So that was that. I didn't bother asking for a CLI on my Walmart card too.

 

Then I get this email this morning:

WALMART-Cap1-Cli-Nov2020.jpg

$2500! I didn't do anything, it was automatic. Is this because it's been a little over a year since I switched over to Cap One? In anticipation of the holidays? Because my score is better? (I recently lowered my util from 40-something to 3%.) I'm happy but surprised. Very surprised. We're talking about Capital One here!

 

Data Points:

Transunion FICO 8: 697

Debt to income: Very low (probably 5%)

Income: Very low ($22K)

Util: Very low (3%)

Age of accounts: Average 4+ years, oldest 20+ years.

Baddies: Two-year old 90-day late

 

I rarely carried a balance on my Walmart card and used it every month.

 

EDIT: Because I don't think it warrants another separate thread: Today I asked for a CLI on my Navy Fed Cash Rewards card. It was $2000, just got approved for $5000. This is actually very useful for me because the place I'd be most likely to have a big unexpected charge would be my car mechanic, and he doesn't take AMEX. (My two highest limit cards are AMEX cards.)

 


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

10 REPLIES 10
AllZero
Super Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your PCLI!

Message 2 of 11
mrcraft
Valued Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your CLI!!






Message 3 of 11
Slabenstein
Valued Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Grtz on the very nice increase from Cap1!


Message 4 of 11
M_Smart007
Epic Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations!

Message 5 of 11
Meanmchine
Super Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Gotta love auto luv

Congrats !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 11
gdale6
Moderator

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

No rhyme or reason for Cap-1s CLI system... Grats on the CLI Smiley Happy

Message 7 of 11
SatanFlower69
Frequent Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Early Christmas miracle? Smiley LOL Congrats! 




Message 8 of 11
CreditAggie
Senior Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your CLIs!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 9 of 11
dudefromtx
Established Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congrats on your CLIs!

Message 10 of 11
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