Cap One CLIs

[CreditAble]

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@bichonmom wrote:

Does anyone know how the top got changed from CLIs to "Clips"  

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My guess is clicking "replace" instead of "ignore" on spell check might be the culprit. I just hit Spell Check for this post and "Clips" was offered as a correction option for "CLIs". Since CLI and CLIs are commonly used in these threads, you might want instruct Spell Check to accept (ignore) those common abbreviations.

[FicoTron]

I have had a secured card for 16 months @ $500 and have never gotten a CLI, I use it every month to about 15-20% then PIF...my score recently jumped about 100pts and I haven't seen any softs from them since the big jump...lets see if that makes any difference.  The score diff is from about 620-720, which is a pretty decent threshold to cross.

[SevenNEW]

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@FicoTron wrote:

@I have had a secured card for 16 months @ $500 and have never gotten a CLI, I use it every month to about 15-20% then PIF...my score recently jumped about 100pts and I haven't seen any softs from them since the big jump...lets see if that makes any difference.  The score diff is from about 620-720, which is a pretty decent threshold to cross.

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Have you tried bringing util down to 1-9% before it reports?

Edited to correct tyypos typoos typossss

[CS800]

IS there such a thing as a PC with Cap one. I as recently told that my $1100 card has reached it ceiling. It's one of my oldest card. So even if there was a PC, would I lose the age?

I have not heard of a PC with Cap One. I would also hate if they had to HP all 3 CB's

[FicoTron]

whats the difference? they know my account activity, if my util never exceeds 20%  and I PIF, why would I be concerned about what the util is when the statement cuts? they just suck at CLI's, period.

[CS800]

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@FicoTron wrote:

whats the difference? they know my account activity, if my util never exceeds 20%  and I PIF, why would I be concerned about what the util is when the statement cuts? they just suck at CLI's, period.

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+ 1

[Anonymous]

CapOne is just not a very forgiving bank. I got my first credit card with them when I was 18 and I took it over the limit within the first few months of having it (they only gave me a $200 limit) and I missed one payment within the first 8 months too (I was young and knew nothing about taking care of my credit) since missing that one payment, I've PIF on time every month for 6 years and they've still never granted me an increase. It sucks because they're my oldest account so I can't close them.

I say they're unforgiving because they won't give me a CLI but they approved my mom and gave her a $1000 CL after she bought a house in 2008 (and she had a forclosure and a bk 4 years prior) they even sent her a letter in the mail saying that if she paid on time for 3 months she could get a CLI.

[clocktick]

Cap One IS one of the most forgiving banks out there.  Depending your reports, I bet if yo applied for another card you would get it.  It's not personal with them.  They just don't typically give out CLIs!

[bichonmom]

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@Anonymous wrote:

CapOne is just not a very forgiving bank. I got my first credit card with them when I was 18 and I took it over the limit within the first few months of having it (they only gave me a $200 limit) and I missed one payment within the first 8 months too (I was young and knew nothing about taking care of my credit) since missing that one payment, I've PIF on time every month for 6 years and they've still never granted me an increase. It sucks because they're my oldest account so I can't close them.

I say they're unforgiving because they won't give me a CLI but they approved my mom and gave her a $1000 CL after she bought a house in 2008 (and she had a forclosure and a bk 4 years prior) they even sent her a letter in the mail saying that if she paid on time for 3 months she could get a CLI.

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I doubt your not getting a CLI has anything to do w/your history w/them. The forum is filled with posts from people who have had impeccable histories with them and not gotten any CLIs.

[Anonymous]

The vast majority of the difficulty dealing with capital one is from their builder/rebuilder cards. We rarely hear anything about the ease or difficulty of getting a CLI with their prime products. Would be interesting to know if there is a difference.