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Has anyone applied for a Capital OneCLI while having a balance?

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iamdetermined
Frequent Contributor

Has anyone applied for a Capital OneCLI while having a balance?

Good morning everyone.

 

I've been reading through the forums & see the success stories when people contact the EO for CLI (CONGRATS TO ALL THAT HAVE BEEN SUCCESSFUL! Smiley Happy) - I'm curious ig anyone has gotten the increase with a balance? I am due for a CLI this month (per the steps program) & I saw a post that said some folks have requested it right before the time for account review. My balance is not large but I won't be able to pay it off until next week...any suggestions? Should I wait until I pay it off?

JetBlue $25.3k
NFCU Amex $25k
NFCU GoRewards $24k
Citi AAdvantage $20k
Macy's Platinum $20k
Wells Fargo Reflect $15.5k
Chase Freedom Unlimited $12.5k
Discover IT $11.9k
Cap One QS $11,750
PayPal MC $9.5k
Amex Cash Magnet $7.9k
USAA Preferred Cash Rewards $7.5k
Amex EveryDay $5.5k
Victoria’s Secret $5k
Heritage FCU Platinum $2k
PenFed $500

*Total CL: $203,850*

**Lines of Credit**
NLOC $6k
US Alliance $2k

FICO 8..... 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8..... 8/27/18: EQ 684 - EX 696 - TU 713
FICO8..... 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8..... 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8......4/30/23: EX 733
FICO 8…..3/8/25: EX 747
Message 1 of 5
4 REPLIES 4
GatorGuy
Valued Contributor

Re: Has anyone applied for a Capital OneCLI while having a balance?

I clicked it between statements so I had a balance of $8k on there when I was approved. I got a $5k increase.

Message 2 of 5
darkpearl
Regular Contributor

Re: Has anyone applied for a Capital OneCLI while having a balance?

I also had a balance and got a 2k cli. My balance was about 10% of my old limit ($300 or so).




Message 3 of 5
iamdetermined
Frequent Contributor

Re: Has anyone applied for a Capital OneCLI while having a balance?

 

That's GREAT! WOW....you just gave me a lot of hope Smiley Very Happy Thanks for sharing...now I'm going to try my luck Smiley Wink

JetBlue $25.3k
NFCU Amex $25k
NFCU GoRewards $24k
Citi AAdvantage $20k
Macy's Platinum $20k
Wells Fargo Reflect $15.5k
Chase Freedom Unlimited $12.5k
Discover IT $11.9k
Cap One QS $11,750
PayPal MC $9.5k
Amex Cash Magnet $7.9k
USAA Preferred Cash Rewards $7.5k
Amex EveryDay $5.5k
Victoria’s Secret $5k
Heritage FCU Platinum $2k
PenFed $500

*Total CL: $203,850*

**Lines of Credit**
NLOC $6k
US Alliance $2k

FICO 8..... 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8..... 8/27/18: EQ 684 - EX 696 - TU 713
FICO8..... 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8..... 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8......4/30/23: EX 733
FICO 8…..3/8/25: EX 747
Message 4 of 5
iamdetermined
Frequent Contributor

Re: Has anyone applied for a Capital OneCLI while having a balance?

 

Awesome! I hope to get @ least double. I'm not looking to spend it but I have a low CLI ($500) - I just got approved for another Cap1 card with $1,000 CL (yay!) - I want them to have about the same limit.

JetBlue $25.3k
NFCU Amex $25k
NFCU GoRewards $24k
Citi AAdvantage $20k
Macy's Platinum $20k
Wells Fargo Reflect $15.5k
Chase Freedom Unlimited $12.5k
Discover IT $11.9k
Cap One QS $11,750
PayPal MC $9.5k
Amex Cash Magnet $7.9k
USAA Preferred Cash Rewards $7.5k
Amex EveryDay $5.5k
Victoria’s Secret $5k
Heritage FCU Platinum $2k
PenFed $500

*Total CL: $203,850*

**Lines of Credit**
NLOC $6k
US Alliance $2k

FICO 8..... 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8..... 8/27/18: EQ 684 - EX 696 - TU 713
FICO8..... 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8..... 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8......4/30/23: EX 733
FICO 8…..3/8/25: EX 747
Message 5 of 5
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