Re: Biggest CLI through Cap 1 EO?

FinStar · ‎01-14-2014

@red259 wrote:
@whodatnation2 wrote:
I have cards with limits of 12,000 and 19,000, I am hoping they will match that...or come close.
I don't know how realistic that expectation is. The reality is cap 1 is not a lender known for huge credit lines. They won't give you credit lines like amex and chase as quickly. I have seen some people with venture cards that have limits higher than that but ymmv. You can ask for what you like and they will ask you if you would consider a counter offer.

Exactly. I have two older/legacy Capital One CCs (excluding two HSBC Prem products acquired last year), the combined CLs on those 2 = $31K. Sufficient enough for me. Most growth on these has been auto-CLI, not as frequent but acceptable.

Are you putting a lot of spending on those cards to justify a higher line? Just becaus you have $19K or $12k somewhere else doesn't mean Capital One will match.

red259 · ‎01-14-2014

@whodatnation2 wrote:
Have ya'll gotten those increases recently??

Last month.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

lg8302ch · ‎01-14-2014

2 weeks ago from 5K to 10K ..got the full CLI requested.... was just so frustrated because Discover denied to double my CL to 5K and simply does not move..so I tried Cap1 with success..LOL

TiggerDat · ‎01-15-2014

@lg8302ch wrote:
2 weeks ago from 5K to 10K ..got the full CLI requested.... was just so frustrated because Discover denied to double my CL to 5K and simply does not move..so I tried Cap1 with success..LOL

Maybe you have too much credit? I had my Discover for about 9 months I think and they raised my limit from $1000 to $5000. It did take a HP and an analyst to do it, oh a little discussion, but they didn't really have much of an issue with it. Oh, and your scores are much higher than mine and I have a lot of inqs and new accounts within the last year and a half, so Discover I can't understand in your situation.

CO, oh well they won't let me go beyond a total of $10,000 on three cards I have; $5000 Siggy, $3500 Plat, $1500 Plat. My score is 689 on the last letter they sent me. YMMV.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

emptypockets · ‎01-15-2014

Mine went from 3k Platinum Visa to10k Quicksilver, no AF. This was 5-6 months ago. I tried to get them to match other lines (12-15k) but 10k was as high as they would go.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

CreditJim · ‎01-15-2014

I went from $750 > $2000 and then 6 months later $2000 > $15,000 via the EO on a credit steps card. I asked for the $15k and got the full CLI requested but I was using the card heavily and PIF.

UFGuy2006 · ‎01-15-2014

I went from 3k to 10k shortly after opening my card.

Biggest CLI through Cap 1 EO?