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Capital One CLI after $600

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lizmariposa
New Contributor

Capital One CLI after $600

After the $600 (that is, that $100 CLI you get after 6 mos of having a Capital One card), which further CLIs did you get? How soon after and for how much? 

 

Thanks

Message 1 of 28
27 REPLIES 27
Deeyarht948
Contributor

Re: Capital One CLI after $600

Sadly not many capital one is known for being stingy with credit limit increase us with heavy spend you might get a couple hundred dollars every six months but that's if you're lucky

Message 2 of 28
quikj9
Frequent Contributor

Re: Capital One CLI after $600

Yep, I'm on that $100 every 6 months train as @Deeyarht948 mentioned. 

 

I don't expect my Capital One cards to grow much, but I will continue to ask for a CLI every six months. 




Message 3 of 28
draychi
Valued Member

Re: Capital One CLI after $600

I got the $100 increase to $600 the other day. Only had the Platinum card open for 2-3 months, got lucky I guess.

Rebuild start: Late 2020 (Low 500's).
- Settled & Removed 9 collections
- 680-700 (03/2022)
- 5.5 year old Chase repo I need to settle

PenFed Power Cash $3.5k | Amex Plat NPSL | Discover IT $2k | Citi $200 | WF Active Cash $300 | FirstPremier $1200 | FirstNational, FirstSavings $850 each | Cap1 Plat $700 | Avant $300 | Surge $1k | Kohls $300 | CreditOne $600 & $1.2k | Jasper MC $1k | Petal1 $500 | OppFi $1k | Prosper $500 | MissionLane $500
Message 4 of 28
RSX
Valued Contributor

Re: Capital One CLI after $600

the main way to try for higher CL is to put heavy spend on it for 3-4 months - heavy spend means NOT staying under the $600 limit - otherwise they wont see the need to raise it for you

 

use it as your primary card for that period - pay it off weekly, so that you can spend over the $600 each month

put any utilities on it that you can - use it for gas - transportation - groceries

 

after 4 months of this, ask for a CLI

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 5 of 28
Trini88
Established Contributor

Re: Capital One CLI after $600

My husband asked for an increase at 21 months on his $500 card and got $100. I got my $500 card 1 month after him. After 4 denials for a CLI on my card when I requested it at 18 months I placed all my spend on other cards. At 19 months it said I only spent $2.99 on my card and I got an email at 20 months they automatically increased me from $500 to $2000 😑. I think it was best not to ask and just let it happen. They are stingy!



Goal Cards:
Message 6 of 28
lizmariposa
New Contributor

Re: Capital One CLI after $600

I requested an increase, and claimed I do not spend enough on the card, and that my monthly payments are too low. I pay my statement in full on the due date, and have had a few months where I've had a $100 reward on there that I've been using. So now I guess I get punished for using a reward, and for having a recurring charge and auto pay. (Mod cut-Not here please) It doesn't matter to them that I have good credit, one bit, it seems -- and their voice recordings all say  you can only ask for increases through automated phone or on the website. So if some algorithmn gets it wrong, I guess you're screwed, and too bad. 

Message 7 of 28
Trini88
Established Contributor

Re: Capital One CLI after $600

Exactly. I got denied for not much use and I got denied because "my account wasn't eligible for an increase". I said cool, put my monthly Insta Ink subscription on it and wrote a bad review on WalletHub and Credit Karma 😂. Next thing I know, first month I don't touch it and they increase it 🙄. My husband can't ask for another increase until December. I told him to just leave them alone and see what happens. He definitely spends more on his card than I do and they aren't budging. Calling is a mess, I never understand what they are saying and it's 100% scripted. I gave up calling.



Goal Cards:
Message 8 of 28
Binner
Established Member

Re: Capital One CLI after $600

I just got $100 increase ($500 start, now $600) after 100 days. I do use it and pay it often though - maybe $2000 or so a month.

Message 9 of 28
lizmariposa
New Contributor

Re: Capital One CLI after $600

I had my utilities on it -- a $26 recurring charge everything. Crazy woman on the line complaining that it's a balance I have every month and never moves! Lady, it's paid in FULL every month. It's a NEW recurring charge. lol   Mod cut -please not here. Disparaging remarks about nationalities are not allowed.  

 I'm just gonna put it in a drawer. Not using that one again, nor that Quicksilver either. It's not even a subprime Quicksilver, and they still will keep it at just $600. This company is the worst. 

Message 10 of 28
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