Cap1 CLI Possible?

[Anonymous]

Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

[UFGuy2006]

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@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

---

Sounds like a canned response to me.

[CreditCrusader]

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@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

---

Cap1 is the KING of mysterious CLIs. Mine ($500 to $750) was automatic after 6 months...NADA after that. I have heard of hard pulls getting nowhere when people try to get CLIs by phone.

If you figure this one out, let me know...wish I could be more helpful but this one just doesn't have a good answer.

[Anonymous]

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@CreditCrusader wrote:

---

@Anonymous wrote:
Hey everyone, I sent a secure message through my account to Cap1 asking if I could get a CLI. Of course I knew they wouldn't, however when they wrote back to me, they didn't really say No. Here's what they said:
--------------------------------
Thank you for contacting us about a
credit limit increase on your Capital One account. However, we cannot
submit a request to increase your credit limit through written
correspondence.

If you can call us at the number listed below, an agent would be happy
to assist you with your request.

The following are questions you may be asked for when you contact us:
• How much of a credit line increase you are seeking?
• What is your annual household income?
• Why are you seeking a credit limit increase?

You may contact our Customer Service Representative at 1-800-955-7070,
24 hours a day, 7 days a week. We appreciate your business and look .......
--------------------------------

So is that just what they tell everyone or do I actually have a chance? This is one of those starter cards, it had a $300 limit, but now it has a $500 limit. So should I even bother calling or do you think I should just hold out?

---

Cap1 is the KING of mysterious CLIs. Mine ($500 to $750) was automatic after 6 months...NADA after that. I have heard of hard pulls getting nowhere when people try to get CLIs by phone.

If you figure this one out, let me know...wish I could be more helpful but this one just doesn't have a good answer.

---

No kidding. I've had my Cap1 Visa sitting at a $1400 CL for years. Last year, I made three attempts at requesting a CLI. No go each time. Then, a month or so after my final request, they gave me a $5000 CLI out of the blue! Go figure...

[mAndrew1980]

I've read so many different things about Cap1. However the majority of Cap1 rebuilder owners "seem" to cap out at 750-1000. I've had mine for 9 months and am currently at 500 (bumped from 300). Probably going to request 750 soon.

[casmith1980]

BTW, I received the same canned response as OP.  I was a sucker and fell for it...called them up just to find out "no, you're not eligible at this time"

[laz98]

ditto here

[Anonymous]

You will never see a CLI. I've had the same cap1 card for 3.5+ years and I have never gotten a CLI. Not 1 cent. Every time (3+ per year) They tell me that cap1 is a very conservative lender and they are not giving out CLIs at customer request. Instead they tell you that they automatically give them out, though after 3.5 years of solid payment history and 0 balance, you'd think they'd increase the line.

[notmyj]

Its not that cap one doesn't give CLI's, but rather there seems to be no rhyme or reason for it. If you ask they will turn you down. If don't ask they will bump you up a bit ($250). In my case 11 months after opening I got a bump from 500 to 750. Then 3 months later October 2011 they bumped me up to $2250. All with out asking. Some people get it, some never get it. I was not in the credit steps program as far as I know.

[Anonymous]

Their CLIs do seem completely random. I got one after the 5th (or was it 7th) billing statement from the Credit Steps program, went from 500 to 750. Been stuck there for the past half a year. Everyone I spoke to said there's only one credit step, so anything else will just be completely random. "We periodically review accounts blah blah blah".

When you call, there's an option to request an auto CLI. I think it's "More Options" and then "Request Credit Limit Increase". Last time I did that it said I wasn't eligible since my current credit limit hadn't been maintained for 6 months. It was automated, so there weren't questions asked.