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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:
$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.)
Congratulations on your CLI!!
Grtz on the very nice increase from Cap1!
Congratulations!
Gotta love auto luv
Congrats !
No rhyme or reason for Cap-1s CLI system... Grats on the CLI
Early Christmas miracle? Congrats!
Congratulations on your CLIs!
Congrats on your CLIs!