How to Get a Human to View CL Increase Request (Cap1)

[financialfreedom777]

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@SouthJamaica wrote:

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@Gollum wrote:

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@IceNineIX wrote:

I didn't know "bucketing" was a thing.

The term "bucketed" on this forum refers to a credit card that will never "grow." The term "bucketed" was apparently coined by someone using the username ABC2199, who explained on this forum why some credit cards never "grow."

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Card-Asset-Backed-Securities-ABS-and-w...

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Thanks. That is one great read.

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This thread from ABC is a great thread, in fact he has a few there and all are excelent! Thanks for sharing it.

[purebulldogs]

If there's no annual fee I wouldn't close it. Maybe use it every once in a while. 

I would get someone on the phone and tell them with gas prices, a low $360 limit might start getting declined for gas authorizations. 

I'd apply for a better card also. 

[IceNineIX]

Wanting to get someone on the phone was the reason for my inquiry LOL. With Cap1 it's just not possible (recording flat out tells you live associates can't help with CL increases). 

I have better cards, only ever used this one for Walmart shopping for the added rewards.

[purebulldogs]

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@IceNineIX wrote:

Wanting to get someone on the phone was the reason for my inquiry LOL. With Cap1 it's just not possible (recording flat out tells you live associates can't help with CL increases). 

I have better cards, only ever used this one for Walmart shopping for the added rewards.

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That stinks. I wonder if you called and said cancel would it send you to a rep? Knowing capital one it would close the account without talking to anyone. 

Maybe call regular customer service and tell you want to charge 1000, will it go through. If they say no, ask who to take to in order to make it happen. 

If they don't budge I'd use another card for most of the spending. 

[UncleB]

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@purebulldogs wrote:

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@IceNineIX wrote:

Wanting to get someone on the phone was the reason for my inquiry LOL. With Cap1 it's just not possible (recording flat out tells you live associates can't help with CL increases). 

I have better cards, only ever used this one for Walmart shopping for the added rewards.

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That stinks. I wonder if you called and said cancel would it send you to a rep? Knowing capital one it would close the account without talking to anyone. 

Maybe call regular customer service and tell you want to charge 1000, will it go through. If they say no, ask who to take to in order to make it happen. 

If they don't budge I'd use another card for most of the spending. 

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Capital One is known to be extremely efficient in closing accounts at the customer's request, often without CSR interaction.  Best not to mess with that too much unless one is really sure they are OK with it being closed.

Computers and algorithms make nearly all decisions there; the reps genuinely can't do anything about CLIs... some of the best around here have tried (including all the backdoor/executive office numbers and emails).  I'll never discourage someone from trying anyway since things can and do change, but success would be truly notable since it's been the same for literally years.

My own Savor card got slashed down to $1500 a couple of years ago, but it's an old card and how I use it that limit is fine, if a bit annoying.  I know $300 isn't the same, but if the card is earning better rewards than you'd get on other cards there's no harm in using it. 

Capital One CLIs tend to come in waves... for a while, I was getting an extra $1k on each of my cards whenever I asked, even with little usage.  Right now that's not the case, and they've gone in the other direction of requiring significant usage before entertaining the idea of a CLI (anecdotally, anyway).  It's possible in the coming months they'll loosen up again, so if it was me I'd probably see what happens.  Of course if the low limit is truly a sore spot then simply closing it might be the best option.

[OmarGB9]

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@purebulldogs wrote:

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@IceNineIX wrote:

Wanting to get someone on the phone was the reason for my inquiry LOL. With Cap1 it's just not possible (recording flat out tells you live associates can't help with CL increases). 

I have better cards, only ever used this one for Walmart shopping for the added rewards.

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That stinks. I wonder if you called and said cancel would it send you to a rep? Knowing capital one it would close the account without talking to anyone. 

Maybe call regular customer service and tell you want to charge 1000, will it go through. If they say no, ask who to take to in order to make it happen. 

If they don't budge I'd use another card for most of the spending. 

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CSRs just aren't empowered to do anything in regards to CLIs at Cap One.

And Cap One is also not Amex - they can't and won't adjust your "spending power" on the fly if you ask, and there's no one "to take it to in order to make it happen."

[babygirl1256]

@IceNineIX Yep, just use it periodically and pay it off . . . I do the same thing with an old Chase Slate card from 2012 and the limit is still $300.00 but I refuse a hard pull credit inquiry. I applied for the Chase Sapphire Preferred and was instantly approved for $21.6k and I don't worry about the Slate card. Best wishes!!!

[Zoostation1]

I had a general understanding of bucketing but that really helped crystalize some things.  That being said, I do think it's still hard sometimes to figure out just what bucket a particular account is in at times. I've also heard (though I can't confirm) that specific buckets are not always locked in early on in the history of an account (meaning that accounts that appear to be in a low bucket can on occasion move out of that bucket but only if it happens within a window of time that is often unknown).