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CapitalOne

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular 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 😎.
Capital One Platinum 7k
5/3 Truly Simple 5k
5/3 Trio 10k
Barclay Apple 1k
Citi Rewards+ 5k
Citi Double Cash 10k
Citi Simplicity 5k
Home Depot 2k
Discover 8k
Fico 8 Scores EQ=716 EX=660 TU=670 AAoA=7yr6months AoOA=17yrs
Message 1 of 15
14 REPLIES 14
Community Leader
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
Regular Contributor

Re: CapitalOne

Oh well when I hit the luv button it said your not eligible now due to upgrade offer accepted.
Capital One Platinum 7k
5/3 Truly Simple 5k
5/3 Trio 10k
Barclay Apple 1k
Citi Rewards+ 5k
Citi Double Cash 10k
Citi Simplicity 5k
Home Depot 2k
Discover 8k
Fico 8 Scores EQ=716 EX=660 TU=670 AAoA=7yr6months AoOA=17yrs
Message 3 of 15
Community Leader
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
Regular 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?
Capital One Platinum 7k
5/3 Truly Simple 5k
5/3 Trio 10k
Barclay Apple 1k
Citi Rewards+ 5k
Citi Double Cash 10k
Citi Simplicity 5k
Home Depot 2k
Discover 8k
Fico 8 Scores EQ=716 EX=660 TU=670 AAoA=7yr6months AoOA=17yrs
Message 5 of 15
Community Leader
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
Regular 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.
Capital One Platinum 7k
5/3 Truly Simple 5k
5/3 Trio 10k
Barclay Apple 1k
Citi Rewards+ 5k
Citi Double Cash 10k
Citi Simplicity 5k
Home Depot 2k
Discover 8k
Fico 8 Scores EQ=716 EX=660 TU=670 AAoA=7yr6months AoOA=17yrs
Message 7 of 15
Regular Contributor

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.
Sep 2018: FICO 8 scores: High 500's to low 600's across the board.
April 2019: FICO 8 scores: Ex: 670 TU 679 EQ 698

Predicted scores by Jul/Aug 2019: EX 685, TU 690 EQ 708
Message 8 of 15
Valued Contributor

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. 



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 9 of 15
Regular Contributor

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
Sep 2018: FICO 8 scores: High 500's to low 600's across the board.
April 2019: FICO 8 scores: Ex: 670 TU 679 EQ 698

Predicted scores by Jul/Aug 2019: EX 685, TU 690 EQ 708
Message 10 of 15