Surprising Capital One CLI

[ScarlettHusky]

Yesterday was the 6th month mark since my last CLI on one of my Capital One cards, but I waited an extra day for good measure. I only use this card for a recurring transaction to pay my storage unit, used it a couple times while I was in France last month at a grocery store (didn't want to melt my NFCU Visa lol), and also used it on the metro in Paris to purchase tickets. In the past I only got $100 or $200 CLIs from them on any of my cards, so I wasn't expecting much different. I hit the LUV button, and my jaw nearly hit the floor when the app said I was approved for a $1,000 increase, to bring my total line for that card to $1,400! Does anyone think me using my card abroad had any play into it?

Scores in my sig are current as of 7/8.

[CreditMagic7]

Congrats on your Capital One CLI!

[DXness]

Congrats on the CLI!

Contrary to popular belief, putting increased/heavier spend on a Cap One card is not necessary to get CLIs.  It's more likely that your card got re-assigned to a better bucket, opening the door for bigger CLIs (and the issuer has become more generous this year overall).  There is no way to know for sure, but a way to test the rebucketing theory vs them "liking" you more would be to go for another CLI in 3 months.  Normally, you must wait 6 months for the next Cap One CLI - but not if there's something in your credit profile that they really like.  The size of that CLI may also indicate things.

[ScarlettHusky]

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@DXness wrote:

Congrats on the CLI!

Contrary to popular belief, putting increased/heavier spend on a Cap One card is not necessary to get CLIs.  It's more likely that your card got re-assigned to a better bucket, opening the door for bigger CLIs (and the issuer has become more generous this year overall).  There is no way to know for sure, but a way to test the rebucketing theory vs them "liking" you more would be to go for another CLI in 3 months.  Normally, you must wait 6 months for the next Cap One CLI - but not if there's something in your credit profile that they really like.  The size of that CLI may also indicate things.

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I'll put a notation in my calendar at the 3 month mark to try this out! Thank you so much!

[KingRue8500]

Congrats on your Capital One CLI

[NoMoreDebt]

congrats on the cli

[JoeRockhead]

Congratulations on your Cap One love!

[SouthJamaica]

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@ScarlettHusky wrote:

Yesterday was the 6th month mark since my last CLI on one of my Capital One cards, but I waited an extra day for good measure. I only use this card for a recurring transaction to pay my storage unit, used it a couple times while I was in France last month at a grocery store (didn't want to melt my NFCU Visa lol), and also used it on the metro in Paris to purchase tickets. In the past I only got $100 or $200 CLIs from them on any of my cards, so I wasn't expecting much different. I hit the LUV button, and my jaw nearly hit the floor when the app said I was approved for a $1,000 increase, to bring my total line for that card to $1,400! Does anyone think me using my card abroad had any play into it?

Scores in my sig are current as of 7/8.

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Congratulations on your approval.

I doubt that using the card abroad was a factor.

[pip3man]

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@DXness wrote:

Congrats on the CLI!

Contrary to popular belief, putting increased/heavier spend on a Cap One card is not necessary to get CLIs.  It's more likely that your card got re-assigned to a better bucket, opening the door for bigger CLIs (and the issuer has become more generous this year overall).  There is no way to know for sure, but a way to test the rebucketing theory vs them "liking" you more would be to go for another CLI in 3 months.  Normally, you must wait 6 months for the next Cap One CLI - but not if there's something in your credit profile that they really like.  The size of that CLI may also indicate things.

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This is completely FALSE information. There is absolutely NOTHING like rebucketing of a Capital One card and I know this from personal knowledge. The way credit cards were underwritten, buckets were assigned at the point of account opening based on the applicant's credit profile. This was normally set for the life of the account. Even if credit improved over time, it did not correlate with the card's growth. The only way to get better terms was for applicants to literally apply for new credit with their improved credit profile. Each card family were grouped as mainstream and some other names that I forgot. Additionally, factors such as increased/heavy spending were big factors to scoring credit line increases. This part is public knowledge that Capital One actually shares with customers when they get declined for a CLI. So frequent use and/or large spending is likely what triggered the credit line increase for OP. Nothing like rebucketing at C1.

[BigBS]

Congrats on the CLI!