Asking for CLI?

[Shellie]

I have read several post about asking for CLI from CC companies before they came on thier own due to age of the account.  I was wondering if this was something I should pursue? I have one card opened 08/2012 and I received a CLI in June from the original CL of $300 to a new CL of $500.   I opened a second card 05/2013 which opened with a initial CL of $500.  Would it be a good idea to try asking for a CLI on either card?  I have read several posts about people email the higher ups and getting CLI without a HP.  I am avoiding those at all cost!!  Thanks in advance.

[enharu]

It depends... Who's the creditor?

[Shellie]

Both are with CapOne.  One does have a balance right now but I have no late payments or anything else and the other has a $0 balance.

[Shellie]

bump

[SnackTrader]

CapOne has recently put a Request a Credit Increase button on their website. But many have reported here that the button denies you if it hasn't been at least 6 months from your most recent CLI from them.

That's about all I know up to this point, and I haven't tried it yet. You can do a search for Capital One CLI and all variations and see what you find.

[takeshi74]

Depends on the card as well.  C1 doesn't seem to be too generous with CLI's on their low end cards.  As a rule of thumb, if you're asking for CLI's be prepared for HP's.  Some lender soft but make sure that your lender does if you're looking to avoid HP's.

[Shellie]

I had just read several post about people emailing the high ups and getting CLI's.  I just wondered if it was worth trying.  But no HP's for me right now!