Capital One CLI question

IcyCool7227 · ‎09-13-2023

It has been nearly 6 months since the last CLI with my Capital One Savour One card (April 4th). I wonder if I should wait until the 6th month completes the get the best results? If I do an increase request now and don't like the offer countered can I decline and be eligible when October 5th passes? Not sure how that works with Capital One.

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

Priory_Man · ‎09-13-2023

I probably would just wait until the full 6 months are up and then hit the button

"Total revolving credit $286,000 Current UTIL >1%"

FireMedic1 · ‎09-13-2023

Use it a lot and PIF each month. They use old scores that lag behind. With record credit card debt. Purse strings might be a bit snug.

TWO MORE MONTHS NO BK! (on Eq/Ex)

ilpapa79 · ‎09-13-2023

@IcyCool7227 wrote:
It has been nearly 6 months since the last CLI with my Capital One Savour One card (April 4th). I wonder if I should wait until the 6th month completes the get the best results? If I do an increase request now and don't like the offer countered can I decline and be eligible when October 5th passes? Not sure how that works with Capital One.

I would not wait one more minute...Capital One will increase the CL on a card every 3 months if you use their cards right and oftend and don't mess up on payments. I have 4 cards with them of whom a couple have monster CL's. I normally just try to request a CLI once I am close to 90 days and punctually, a CLI is granted each time. It can be $1,000 or $20,000, depending on the card, credit and usage on that specific card.

Let us know what happens when you hit the button!

cashorcharge · ‎09-13-2023

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

NoMoreDebt · ‎09-13-2023

Congrats on your CLI

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

IcyCool7227 · ‎09-13-2023

I didn't get a CLI increase yet so no need for congrats.

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

CYBERSAM · ‎09-21-2023

@IcyCool7227 wrote:
I didn't get a CLI increase yet so no need for congrats.

For me it was always 6 months on CLIs and if you get decline, you have to wait for another 3 months!

masscredit · ‎09-22-2023

@CYBERSAM wrote:
@IcyCool7227 wrote:
I didn't get a CLI increase yet so no need for congrats.
For me it was always 6 months on CLIs and if you get decline, you have to wait for another 3 months!

If I remember correctly, I was declined for an increase when I tried a few months ago. Then approved for one the following month.

EQ - 698 / TU - 672 / EX - 686

Capital One Savor - $16000 / Capital One Venture - $13000 / Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $500
$79,750
DCU Auto Loan

Priory_Man · ‎09-22-2023

Any update on this? Did you decide on if you are going to request an increase or are you going to wait until next month?

"Total revolving credit $286,000 Current UTIL >1%"