CapitalOne

[SFLSpotter9210]

Thanks for the intel. I’m going to call the CSC later and find out exactly when I got the last auto CLI in August. I’ve actually received several auto CLI’s. My SL I believe was 750.00 back when I first appd for the card back many years ago. So and now I’m at 5k in my opinion not too bad for not knowing anything until I joined this forum. Thanks to everyone on here Ive grown my file 😎.

[HeavenOhio]

Capital One loves paying in full. On a couple of occasions when I've called to confirm my CLI eligibility, reps have volunteered that I'm in great shape for an increase because I always pay in full.

Second best to paying in full is to show substantial progress toward paying down revolving balances. Paying off a November purchase by January is a good look.

If you're paying in full, I don't think they care a whole lot if Capital One statement balances are high. Overall scores can be a reason for denial, though. For that reason, it makes sense to keep reported balances down.

Another thing to keep in mind is that Capital One uses old pulls. If you've recently raised your score, you can ask a rep when your next account review will be and time your request that way.

I thought Capital One denied CLI requests if one had been over his limit within the past year. But I'm not currently seeing that information on their CLI FAQ.

The FAQ does say that CLI requests will be denied during fraud investigations, which isn't what I experienced. I wonder if it's only the initial stage of the investigation that matters, i.e. before a replacement card is in hand and has been activated. Usually, 99% of the dust has settled at that point, and using the card is business as usual from the customer's standpoint.

[Anonymous]

I have a Capital One CC, started with the Platnuim card, $300.00 cl, got the standard move after 5 months to 500.00, then one day after 9 months saw my CL was increased to 1,500.00. I then called CS requested the QS card ( no annual fee), they approved me. I have read various threads regarding the bucket you are placed in and the only way to get out is to re apply for a new CC once your scores are high enough. I always pay in full, and make 2-3 payments each month, I charge everything I can on the card, ( cell phone, groceries, gas) then just pay it all off 1 week before the statement is due. I then called CS and asked about CLI and they informed me yes, 6 months is the window before next increase request, however after reading the boards with all the great info, it might be wise to make sure your Credit is in the "Good " category then re apply to get out of the Bucket and into the premier cards. This will enable you to get higher CL's and more importantly better rates. 

[HeavenOhio]

We know that people have escaped the starter bucket, but I don't think we have much of a clue as to when or why it happens. All I can suggest is to use the standard CLI nudges and keep trying. You'll know one way or the other soon enough.

[SFLSpotter9210]

You were 100% correct my last CLI was in August 29,2018. I just spoke to a rep and she stated I would be eligible for a CLI after March 2nd. And that they wouldn’t hold my prior app for a CLI against me. Besides I’m going to PIF my account here at the end of February anyways. Thanks again for opening up my eyes to CapitalOne’s policy 😎👍.