Cap1 Luv Button

[Man-Of-Steel]

I also had success with the luv button.  Last month, I requested a CLI online for my Quicksilver Platinum account that was opened in January of this year and I received an instant $2K CLI!  I was quite pleased about the no hassle CLI process.  Good luck to the OP.

[taxi818]

 Cap's TU fico is showing 689 on thier score tracker   Any one else recieve denial with the to day letter?  Is it a guaranteed denial since increase wasnt instant on web site?That score tracker is far from a Fico. It is the exact score you would get from credit karma

Word for word. I would not trust it for 1 min. other that it will show your trend.

[joshkm]

I gave the Luv Button a little tickle last week and she bumped me up from $1,500 to $4,500. I've had a couple $500 increaseses from her over the last year before that, so I was surprised to get the $3,000 bump up. I hit the button every 6 months religiously.

I hit them up on Facebook later that day to get my annual fee waived and got a call back that afternoon from a very nice lady and had success with that too, so I'm happy!

[Anonymous]

I tried the luv button with almost 80% utilization on the card just for the heck of it lol and got a 2-3 days msg. A few days later I got a msg from Cap One saying they can't grant the CLI giving for a reason that they are "Evaluating account activity at assigned credit limit" or something like that. I opened my card back on Nov 2013 with a CL of 10k

[capitalkid]

Yeah most of the time CO CLI is not available to most people.  Some have been getting a bump here and there its just not regular by any means.  Good Luck, I got 500$ CLI in January ,1st CLI in over 4 years and 2nd CLI in lifetime of account.  Truly it is a terrible card for growth puposes, wish it wasnt my oldest.  I am getting close to being able to ditch it though, another couple of years and I can turn it off.  I normally get the message about how my account is not eligble for CLI, EO has not been helpful the several times I have called them, some folks do have good luck, however I cannot attest to that, It definetly is a YMMV situation, but I think as long as you dont set expectations with them, you can muddle through until you get better cards to stand on.  

I still need it as I am still building, I have my goals set out and I have met alot of my goals over the past few years, and when I feel established with growth, thats when I will cut the cord on CapOne.  Until then they serve an AAOA purpose.  

Good luck, 

[lg8302ch]

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@taxi818 wrote:

 Cap's TU fico is showing 689 on thier score tracker   Any one else recieve denial with the to day letter?  Is it a guaranteed denial since increase wasnt instant on web site?That score tracker is far from a Fico. It is the exact score you would get from credit karma

Word for word. I would not trust it for 1 min. other that it will show your trend.

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It is far from Fico because it is Fako. The score from credit tracker  is probably close to CK Fako ?  When you request a CLI and get the denial letter  the score you get from Cap1 is EQ Fico.

[newmomnewme]

I have two QS cards.  MC- $750 CL opened 12/2012 and Visa- $7000 opened 9/2013

The experience has been totally different with each card. They were both considered Credit Steps cards....the MC had a $500 starter limit, I got $250 CLI at the 9 month mark.  The Visa started as a Journey card with a $1000 2/2014 Auto CLI to 5000 and 8/2014 Auto CLI to 7000. (My scores have gone down 70-80 pts in the last 6 months)

I have requested increases for the MC on many occasions...the first time I asked they said they could upgrade it to QS so I requested could they upgrade both. Done!

This all has be totally baffled...The QS MC is my 2nd lowest limit and I VERY rarely use it at this point. (Could that be why they don't give me CLI?)

[taxi818]

Well what else you got. You say you got two cards. At same time you say mc is second lowest. It should be lowest. If only two. Just saying. No way your score drops from that other limit. Unless something else is happening. Mane high utilization. Hmmm. Sounds fishy. Just saying.

[newmomnewme]

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@taxi818 wrote:
Well what else you got. You say you got two cards. At same time you say mc is second lowest. It should be lowest. If only two. Just saying. No way your score drops from that other limit. Unless something else is happening. Mane high utilization. Hmmm. Sounds fishy. Just saying.

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I have 12 cards..MC is actually lowest Bank issued card...I am not baffled about the score drop (its because I am carrying high balances on most of them). I am confused as to why the MC would remain at $750 (just $200 over the initial CL and the other is now 7x the initial CL...all while my scores were steadily dropping. Any ideas why they won't raise the $750 CL?

My card balances below in the order they were opened (Cards in Blue CLI in last 6 months):

Opened 2/2006: VS- 0/600

Opened 12/2012: QS MC- 0/750

Opened 9/2013: QS V- 4200/7k

Opened 10/2013: RMC- 800/1.5k

Opened 11/2013: NFCU V- 18k/20k

Opened 11/2013: Target- 0/200

Opened 12/2013: Macys- 150/800

Opened 2/2014: Amex PRG- 1200/NPSL

Opened 2/2014: Amex BCE- 4k/5k (denied 3xCLI at 61 days--said prior Amex debt-almost 20 yrs ago)

Opened 5/2014: Freedom- 3.2/3.5k

Opened 5/2014: Amazon- 0/700

[newmomnewme]

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@taxi818 wrote:
Well what else you got. You say you got two cards. At same time you say mc is second lowest. It should be lowest. If only two. Just saying. No way your score drops from that other limit. Unless something else is happening. Mane high utilization. Hmmm. Sounds fishy. Just saying.

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LMAO! I love this site....