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Cabelas * Capital One CLI

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New Contributor

Cabelas * Capital One CLI

I see Cap One now oversees my old Cabelas card. I would dump it, with a $1k CL, but it is one of my oldest accounts. Zer0 balance, always paid on time. Curius if it is a HP or SP for CLI? I picked it up years ago when reestablishing my credit. Current FICO hovers around 800 now. 

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pipeguy
Senior Contributor

Re: Cabelas * Capital One CLI

My Cabela's card started at $5k I believe and is now $18k and no I don't use it that much. During the "in-house" Cabelas card management it was always a hard pull ($5>$10>$15>$18k), but Cap-1 is well known for soft pulls on their branded cards. The Cabela's card is also converting from a Visa to a MasterCard this Fall which I'm sure is Cap-1's choice. 

 

As far as your original question, all of the cards I have that are "managed" by Cap-1 (GM Card, wife's Kohls, and I assume my Cabelas) have typically been a single HP for a CLI. I do wonder why you have an "old" Cabelas card that is still stuck at $1k, mine grew nicely without a lot of spending. 

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B335is
Moderator Emeritus

Re: Cabelas * Capital One CLI

I tried for a CLI a few weeks after the cut over and it was a HP for me (and denied).
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woodyman100
Valued Contributor

Re: Cabelas * Capital One CLI


@B335is wrote:
I tried for a CLI a few weeks after the cut over and it was a HP for me (and denied).


Ditto for me as well.

Followed normal Cabelas protocol and asked me for a financial statement also

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-Keystone FCU-HarvardFCU-Keypoint CU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-Truist-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread -DSNB-Webbank-Bill
Message 4 of 5
Dalmus
Valued Contributor

Re: Cabelas * Capital One CLI


@pipeguy wrote:

As far as your original question, all of the cards I have that are "managed" by Cap-1 (GM Card, wife's Kohls, and I assume my Cabelas) have typically been a single HP for a CLI. I do wonder why you have an "old" Cabelas card that is still stuck at $1k, mine grew nicely without a lot of spending. 


Mine never grew since I got it, either.  Still stuck at $1,000.  I started off using it reasonably frequently (a few hundred dollars every 4-5 months or so).   Last year I used it once for a $10 charge.   Its actually on my list of cards to close for non growth AND non use.

Total Cards: 24 | Total Limit: $304,250


Current FICO 8 Scores: EQ: 841| TU: 815 | EX: 814


Hard Inquiries: 1

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