cancel
Showing results for 
Search instead for 
Did you mean: 

SHOCKING Walmart Cap One Store Card Auto-CLI

tag
Anonymous
Not applicable

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.)

 

10 REPLIES 10
AllZero
Mega 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
Legendary 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.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 6 of 11
gdale6
Moderator Emeritus

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
Anonymous
Not applicable

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Early Christmas miracle? Smiley LOL Congrats! 

Message 8 of 11
CreditAggie
Community Leader
Super Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your CLIs!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 11
dudefromtx
Established Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congrats on your CLIs!

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.