Re: CapitalOne Income Update Request

Anonymous · ‎01-20-2023

Let us know if do get a cli. I haven't experience this with capital one but with chase I did.

Horseshoez · ‎02-09-2023

And the results are in:

Chapter 13:

Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
Filed: 26-Feb-2015
MoC: 01-Mar-2015
1st Payment (posted): 23-Mar-2015
Last Payment (posted): 07-Feb-2020
Discharged: 04-Mar-2020
Closed: 23-Jun-2020

I categorically refuse to do AZEO!

In the proverbial sock drawer:

Adkins · ‎02-09-2023

Congratulations!

Last HP 08-07-2023

nytokyobred79 · ‎02-09-2023

Awesome.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

OmarGB9 · ‎02-09-2023

@Horseshoez wrote:
And the results are in:

That's so weird...I also just got an email saying they'd given me a $1.5k CLI. From $2.5k to $4k. 😳

BTW I was never asked to update income though.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Anonymous · ‎02-09-2023

@OmarGB9 wrote:
That's so weird...I also just got an email saying they'd given me a $1.5k CLI. From $2.5k to $4k. 😳

BTW I was never asked to update income though.

That's a good DP, otherwise the experience would be "proof" that the request to update income is a sure sign!

TRC_WA · ‎02-09-2023

@Horseshoez @OmarGB9

Congrats.

I burned them in my Ch 13 and just got back in the door 6 years later with a $500 QS but I went ahead and updated my annual income so hopefully Cap One will hit me with a CLI in a few months.

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Remedios · ‎02-09-2023

That's kinda what happened to me about two months ago, $3000.00 CLI on a card that hasn't seen use in two years

I found out about it via EX monitoring, card is locked, i haven't updated income since 2017.

OmarGB9 · ‎02-09-2023

What's interesting in my case though is that I DID try for a CLI last month, as the 6 month wait between CLI requests had elapsed for me, and they only offered me a measly $500. I turned it down. But I've been using the card some, (nothing crazy, just a few hundred bucks or so) and all of a sudden I got this auto CLI for $1.5k. 🤔

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

OmarGB9 · ‎02-09-2023

@Remedios wrote:
That's kinda what happened to me about two months ago, $3000.00 CLI on a card that hasn't seen use in two years
I found out about it via EX monitoring, card is locked, i haven't updated income since 2017.

@Remedios Two years and they haven't shut it down?! Incredible. 😯 Equally incredible is a $3k CLI on a card that's keeping your US Socks socks company. 😂

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CapitalOne Income Update Request

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