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CapitalOne

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SFLSpotter9210
Valued Contributor

CapitalOne

Just got off the phone with CSC and they had good news. My old platinum account has been upgraded to the Quicksilver account. Thanks to everyone on here I would have never known to call in and ask if their was any upgrades for my account. I also asked if their CLI were HP or SP and she stated they were SP. So when I got off the phone I went online to hit the luv button but, bad news there no love due to my recent upgrade. I look at it as a win regardless. Now I get rewards at 1.5% from now on if I choose to use their card. Does anyone have any advise on how much longer I should wait to hit the luv button again since it’s only a SP? My most recent CLI was in August 2018 and it was a auto CLI. They increased me 1k. So my total CL is 5k. I’m ok with the limit for the meantime. I have a lot of CL with my recent app spree. Everyone have a great week 😎.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 1 of 15
14 REPLIES 14
HeavenOhio
Senior Contributor

Re: CapitalOne

The upgrade would have had no effect on your ability to get a CLI. My guess is that you probably weren't spending enough. You can ask as often as you want. The only restriction is that after a credit limit change, you become ineligible for another for six months.

Message 2 of 15
SFLSpotter9210
Valued Contributor

Re: CapitalOne

Oh well when I hit the luv button it said your not eligible now due to upgrade offer accepted.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 3 of 15
HeavenOhio
Senior Contributor

Re: CapitalOne

That's interesting. I've upgraded cards, and there's been no effect. I've even received a CLI in the middle of a fraud investigation.

Message 4 of 15
SFLSpotter9210
Valued Contributor

Re: CapitalOne

Interesting for sure then. I wonder why it stated that on the remark. I’ll have to see why when the letter comes. It was originally set up as the rebuilder card. Does that have anything to do with it? And my last CLI was August 2018. Don’t think it would be due to that correct? As per their guild lines I believe I’m eligible for CLI every 6 months correct?
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 5 of 15
HeavenOhio
Senior Contributor

Re: CapitalOne

Did you wait the full six months? Maybe you were a few days early. That's the usual cause of the "not eligible" message.

 

Customer Service can tell you when you're eligible again. I've called to confirm my eligibility date before most of my CLI requests.

Message 6 of 15
SFLSpotter9210
Valued Contributor

Re: CapitalOne

Knowing my luck I jumped the gun. Go figure I had a brain fart. That’s what may have been the issue. Thanks for waking me up.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 7 of 15
Anonymous
Not applicable

Re: CapitalOne

Upgrade doesn't impact CLI one way or another. They are strange sometimes... I've seen people only get a CLI once then never again. Open a new card then bam huge CL

On the other hand I've seen people start with &300 CL and after 5 months get an auto CLI of $3000.
Just depends if their system likes you. Helpful tip : use all of your credit line then pay it down before statements cut. They love heavy usage but want your utilization below 10% when bill time comes.
Message 8 of 15
Anonymous
Not applicable

Re: CapitalOne

Below 10% is not even a solid data point either. They like big purchases paid off quickly also. My $2000 CLI that brought my card to $8250 last March was after buying a new TV in November and rolling a balance until I could PIF the last of it in January.

 

Capital One and Disco don’t mind customers who revolve balances as long as they make large payments. 

 

Trying to figure out the CLIs for Disco and Cap is a futile endeavor. 

Message 9 of 15
Anonymous
Not applicable

Re: CapitalOne

Yes that too. They like large payments. They don't even care if you go over your line either. No over the limit fee. They just want many payments, big ones... and use card heavily
Message 10 of 15
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