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Surprise again! Capital One QS CLI to $30K

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Aim_High
Super Contributor

Surprise again! Capital One QS CLI to $30K

On a whim, I applied for a soft pull CLI again on my Capital One Quicksilver card tonight.  Approved for another $2K increase and a new CL of $30K!  Smiley Very Happy  

 

Capital_One_QS_CLI_20230309_30K_01.jpg

 

Capital_One_QS_CLI_20230309_30K_02.jpg

 

For years, I slowly grew my Capital One Quicksilver but it was a tedious process that usually involved moderate sustained spending.  It started out as a non-bucketed Platinum card with $1K limit in 2009.   Finally >in March 2020<, I reached my goal of $25K on the card and thought I was done.  (See the link for spend and other data points.)

 

However, imagine my surprise when they gave me additional $1K CLIs to $26K,   $27K,  and then to  $28K in 2022 without significant spending.  Smiley Surprised  Those also occurred with less than six month intervals, breaking another rule that I thought applied to Capital One CLIs.  After a few denials since the last one, they approved me for the $2K tonight after a little over six months.  (All of my CLIs have been initiated by myself, not automatic.)

 

For data points, in the last 12 months, I've only have five statements post a balance.  Those balances were mostly low at $90 to $200 with only one at $500.  For whatever reason, this spend is considerably less than what I'm accustomed-to for a successful CLI.

 

Hope these helps others who are hopeful for a Capital One CLI. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 1 of 25
24 REPLIES 24
Yasselife
Valued Contributor

Re: Surprise again! Capital One QS CLI to $30K

Interesting story. Congratulations on your Capital One CLI! @Aim_High 






Message 2 of 25
pc01user
Frequent Contributor

Re: Surprise again! Capital One QS CLI to $30K

@Aim_HighIncredible Progress! Thanks for sharing!

Spend wisely but enjoy as well!

 

Message 3 of 25
805orbust
Valued Contributor

Re: Surprise again! Capital One QS CLI to $30K

Impressive,  but not surprising @Aim_High ... you got the formula down my friend!



Message 4 of 25
CreditAggie
Community Leader
Super Contributor

Re: Surprise again! Capital One QS CLI to $30K

Congratulations on your Capital One QS CLI!

Current Cards (in order of approval):

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

Message 5 of 25
JoeRockhead
Senior Contributor

Re: Surprise again! Capital One QS CLI to $30K

All interesting stuff, well played, and appreciate all the insight, congratulations on your CLI, and the growth! 

Message 6 of 25
SUPERSQUID
Valued Contributor

Re: Surprise again! Capital One QS CLI to $30K

CONGRATS!!!!!

I had to do a double take, 30k limit on a cap one card??

It seems cap 1 is handing you cli's like hot cakes, keep it up, you are doing something right.

 

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, 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
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 7 of 25
EAT_SLEEP_JEEP
Valued Contributor

Re: Surprise again! Capital One QS CLI to $30K

congrats on the cli

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $38,000 CL/ NFCU MORE REWARDS $33,000 /

SOCKDRAWERED FNBO JEEP CARD $7700/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
Message 8 of 25
jibc1978
Frequent Contributor

Re: Surprise again! Capital One QS CLI to $30K

congrats on the continous CLIs!!  i want to be like you when i grow up LOL!

Personal Cards:

Business Cards:

Store Cards:


Credit Health:



Message 9 of 25
coreyb80
Super Contributor

Re: Surprise again! Capital One QS CLI to $30K

Congrats on the increase!

Message 10 of 25
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