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SHOCKING Walmart Cap One Store Card Auto-CLI

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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
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Super Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your PCLI!

Message 2 of 11
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Valued Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your CLI!!





Message 3 of 11
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Established Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Grtz on the very nice increase from Cap1!


Message 4 of 11
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Epic Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations!

popcorn eating emoticon.gif

Message 5 of 11
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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 824 EQ 840
A dragon lives forever but not so little boys
Painted wings and giant rings make way for other toys
One grey night it happened, Jackie Paper came no more
And puff that mighty dragon, he ceased his fearless roar

Peter, Paul and Mary
Puff The Magic Dragon Jan 1st, 1963
Message 6 of 11
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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
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Regular Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Early Christmas miracle? Smiley LOL Congrats! 

AAOA: 3 yrs 6 mo | UTIL: 4% | FICO 8: TBD 05/2021
Discover it $1.5 | Wayfair MC $4.5 | Cap One QS $1.2
Message 8 of 11
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Valued Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congratulations on your CLIs!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 9 of 11
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New Contributor

Re: SHOCKING Walmart Cap One Store Card Auto-CLI

Congrats on your CLIs!

Message 10 of 11
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