CLI denied

[MuddyGrimes]

Just called CAP 1 automated line and was turned down for a CLI.

500L, had it nearly 3 years.  Never asked for one, never a late payment and only $100 balance on the card currently.

The line said that no customer service rep would be able to help me? 

Any thoughts?

[Anonymous]

 Cap1: 877-513-9959

Try that number and you should be able to speak with someone who can either grant a CLI  or atleast tell you if this card is stuck at this limit forever.

[marty56]

A few years ago I had a 300 Capitol 1 card.  I asked for a CLI and they told me that that "type of account" didn't allow CLIs.  I dont know if they still do this but Capitol 1 was issuing multiple small CL cards to sub-prime people (I was back then) rather than increase the limit so they could collect more fees from the account owners when the went over the limit and annual fees.

This is way I cancled the account and would never get any product from them.

[Anonymous]

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@MuddyGrimes wrote:

Just called CAP 1 automated line and was turned down for a CLI.

500L, had it nearly 3 years.  Never asked for one, never a late payment and only $100 balance on the card currently.

The line said that no customer service rep would be able to help me? 

Any thoughts?

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Call and speak to rep. I got the same denial using the automated system. I called the number that is posted in this thread and got a cli.

Edit:: Actually I used this #: 800-889-9939

Message Edited by confus3d on 11-22-2008 05:40 AM

[Anonymous]

The below is true.  My Cap1 card is not elig for customer initiated CLIs. It was issued through an agreement to settle a charge off. The initial limit was $200 and I have received 1 CLI in almost five years bringing it to a whopping $500. So even though my information regarding the card states it can reach $3500, it more than likely will never happen. I was advised to apply for another card in order to obtain a higher limit (yeah that makes sense).  I denied due to previous bad accounts with Cap1 (the one I settled, paid and was issued a new card for). Guess the bright side is they didnt use an inquiry - just internal information. I think Credit Steps was created after people like myself, the below poster and others received the cards that do not grow with you.

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@marty56 wrote:

A few years ago I had a 300 Capitol 1 card.  I asked for a CLI and they told me that that "type of account" didn't allow CLIs.  I dont know if they still do this but Capitol 1 was issuing multiple small CL cards to sub-prime people (I was back then) rather than increase the limit so they could collect more fees from the account owners when the went over the limit and annual fees.

This is way I cancled the account and would never get any product from them.

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Message Edited by PurpleHaze on 11-22-2008 08:01 PM

[MuddyGrimes]

Bingo   Called that back door number this morning and boom credit line increased. 

Go from a 20% utilization on that card to a 10%

Thanks to the forum

[Anonymous]

well backdoor worked for me this time, once b4 i tried it and it didnt work. I actually called regular c1 number on back of card they said no. so yesterday i tried backdoor number got a really nice girl on phone, she was awesome. she only have me $300 but said that she was going to do some other type of online thing to have my account reviewed for more than the $300 but she gave that to me on the spot!

also got a card in mail from kay jewelers on friday they "in light of Christmas season" raised my credit limit from $5100 to $7600 I guess in hopes of me using my card more..

now if i can just get Chase to give me a chance.

[Anonymous]

Thanks for providing this!  Cap One never gave me any CLI but by calling the number they automatically gave me $300.  it wasn't a lot, but takes my utilization down a lot.  Thank you so much!

[Anonymous]

Congrats on the increases everyone!