It pained me, but I declined Cap1 CLI:(

[pizza1]

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@wacdenney wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@pizza1 wrote:

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@Anonymous wrote:

How much did you expect to get? Is your usage currently being restricted by this credit line?

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Really?!

I expected the usual $1-3k increase. 

Usage is average, and I've got plenty of credit with them and everyone else so I could turn it down!  There have been documented cases where if you're getting close to a CLI on your card and try for it like I did, it'll give you a small one. But if you wait it out another month or two, then you get your true increase then, which is better. 

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I don't understand. 8% isn't a true increase?

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She didn't say it wasn't a true increase.  She said that's not what she's looking for right now and expects Cap One, as they have for others, to offer a bigger one next time because she declined this one.  Why is that a big deal?

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I've never seen all these other cases where turning down CLIs lead to larger CLIs nor have I ever seen any evidense that accepting the lower CLI default meant that you wouldn't get a much higher one next time around.  I'm sure there likely are exceptions to every rule, but in the vast majority of cases refusing CLIs has never been proven in any way to be a valid strategy for getting CLIs.

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well WAC...you just sit your pretty (or handsome..whichever the case).  littel self.back, and watch and learn!  LOL..Ill post this outcome in a few months 

[Anonymous]

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@wacdenney wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@pizza1 wrote:

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@Anonymous wrote:

How much did you expect to get? Is your usage currently being restricted by this credit line?

---

Really?!

I expected the usual $1-3k increase. 

Usage is average, and I've got plenty of credit with them and everyone else so I could turn it down!  There have been documented cases where if you're getting close to a CLI on your card and try for it like I did, it'll give you a small one. But if you wait it out another month or two, then you get your true increase then, which is better. 

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I don't understand. 8% isn't a true increase?

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She didn't say it wasn't a true increase.  She said that's not what she's looking for right now and expects Cap One, as they have for others, to offer a bigger one next time because she declined this one.  Why is that a big deal?

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I've never seen all these other cases where turning down CLIs lead to larger CLIs nor have I ever seen any evidense that accepting the lower CLI default meant that you wouldn't get a much higher one next time around.  I'm sure there likely are exceptions to every rule, but in the vast majority of cases refusing CLIs has never been proven in any way to be a valid strategy for getting CLIs.

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I believe it depends on the applicant's credit profile and usage more than playing "deal or no deal" with a computer.

[kdm31091]

Haha at the deal or no deal comment. So true.

[kdm31091]

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@UncleB wrote:

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@wacdenney wrote:

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@Anonymous wrote:

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@Anonymous wrote:

---

@pizza1 wrote:

---

@Anonymous wrote:

How much did you expect to get? Is your usage currently being restricted by this credit line?

---

Really?!

I expected the usual $1-3k increase. 

Usage is average, and I've got plenty of credit with them and everyone else so I could turn it down!  There have been documented cases where if you're getting close to a CLI on your card and try for it like I did, it'll give you a small one. But if you wait it out another month or two, then you get your true increase then, which is better. 

---

I don't understand. 8% isn't a true increase?

---

She didn't say it wasn't a true increase.  She said that's not what she's looking for right now and expects Cap One, as they have for others, to offer a bigger one next time because she declined this one.  Why is that a big deal?

---

I've never seen all these other cases where turning down CLIs lead to larger CLIs nor have I ever seen any evidense that accepting the lower CLI default meant that you wouldn't get a much higher one next time around.  I'm sure there likely are exceptions to every rule, but in the vast majority of cases refusing CLIs has never been proven in any way to be a valid strategy for getting CLIs.

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I think the 'strategy' is that waiting a few weeks allows a little more time for the account to age, time for inquiries to age past 1 year or age off completely, and for many of us here the 'little' things can make a difference between a modest CLI and more generous one.  There's no real trick to it, and there's anecdotal evidence (folks on here giving feedback) that many times it is actually effective.

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But just letting the account age is just being patient. Has nothing to do with rejecting a low CLI. 

Point is you can get CLIs without trying to "play with" the computer or anything like that. Responsible usage and patience. 

[UncleB]

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@Anonymous wrote:

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@wacdenney wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@pizza1 wrote:

---

@Anonymous wrote:

How much did you expect to get? Is your usage currently being restricted by this credit line?

---

Really?!

I expected the usual $1-3k increase. 

Usage is average, and I've got plenty of credit with them and everyone else so I could turn it down!  There have been documented cases where if you're getting close to a CLI on your card and try for it like I did, it'll give you a small one. But if you wait it out another month or two, then you get your true increase then, which is better. 

---

I don't understand. 8% isn't a true increase?

---

She didn't say it wasn't a true increase.  She said that's not what she's looking for right now and expects Cap One, as they have for others, to offer a bigger one next time because she declined this one.  Why is that a big deal?

---

I've never seen all these other cases where turning down CLIs lead to larger CLIs nor have I ever seen any evidense that accepting the lower CLI default meant that you wouldn't get a much higher one next time around.  I'm sure there likely are exceptions to every rule, but in the vast majority of cases refusing CLIs has never been proven in any way to be a valid strategy for getting CLIs.

---

I believe it depends on the applicant's credit profile and usage more than playing "deal or no deal" with a computer.

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Oh man... I nearly hurt myself laughing...

(Thanks, I needed that!!) 

[pizza1]

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@CreditCuriousity wrote:

Good for you Pizza on declining 400 bucks more is small change with your Cap1 limits, you will get more and Irish and you need more for Vegas

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Hey CC.!!!!!!!!

We are trying to get together a Fico Mixer in Fabulous Las Vegas BABY!!!!!  Join us!!  Details coming soon....

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Lol never heard of this lol... This could be so dangerous!  millions in credit and Black Jack, Massages, booze... Oh my I am game!  Lived there twice..   I know tons of people there..  I should be able to get myself comped at least at Belagio

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OMG!! LMAO!!  

I think it would be SOOO cool to have a "mixer, fico meet and greet in LV!!  I know of 6 people now would are game to go as soon as we can get details of dates together.  Id love a massage...

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Would be awesome lol...  I get about to massages a week, kinda a lush .   Although the vegas meet would get thrown in the smorgasborg section lol and be hard to arrange on this forum...  Irish I gurantee would go, heck I would go and yourself.. Who are the others?   Trouble!

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MJ, CA, Nixon, Pizza, Irish, CC...so far just a few that I know of would go!! Im gonna post it in CC's, because it will be CC related..We will meet in LV to have hours of "roundtable" CC discussions over booze, LMAO!!!

[UncleB]

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@kdm31091 wrote:

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@UncleB wrote:

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@wacdenney wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@pizza1 wrote:

---

@Anonymous wrote:

How much did you expect to get? Is your usage currently being restricted by this credit line?

---

Really?!

I expected the usual $1-3k increase. 

Usage is average, and I've got plenty of credit with them and everyone else so I could turn it down!  There have been documented cases where if you're getting close to a CLI on your card and try for it like I did, it'll give you a small one. But if you wait it out another month or two, then you get your true increase then, which is better. 

---

I don't understand. 8% isn't a true increase?

---

She didn't say it wasn't a true increase.  She said that's not what she's looking for right now and expects Cap One, as they have for others, to offer a bigger one next time because she declined this one.  Why is that a big deal?

---

I've never seen all these other cases where turning down CLIs lead to larger CLIs nor have I ever seen any evidense that accepting the lower CLI default meant that you wouldn't get a much higher one next time around.  I'm sure there likely are exceptions to every rule, but in the vast majority of cases refusing CLIs has never been proven in any way to be a valid strategy for getting CLIs.

---

I think the 'strategy' is that waiting a few weeks allows a little more time for the account to age, time for inquiries to age past 1 year or age off completely, and for many of us here the 'little' things can make a difference between a modest CLI and more generous one.  There's no real trick to it, and there's anecdotal evidence (folks on here giving feedback) that many times it is actually effective.

---

But just letting the account age is just being patient. Has nothing to do with rejecting a low CLI. 

Point is you can get CLIs without trying to "play with" the computer or anything like that. Responsible usage and patience. 

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Not quite... if you accept a low CLI, you can't use the CLI button to try for another (higher) one for usually six months, that's where rejecting a low CLI comes into play.

[kdm31091]

My point is more if your instinct tells you you arent going to get a high CLI, you simply wait. No need to ask and reject the low one.

Usually, your gut will tell you the answer. For example if the account was only open a month youd want to wait, as you know you wouldnt get a high CLI offer. If you barely use it, same thing. Applying your knowledge and good sense is often a great way to determine if you would be eligible for a decent increase. These things arent magic or done by computer tricks. If your profile supports it you will get it.

[CreditCuriosity]

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@pizza1 wrote:

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@CreditCuriousity wrote:

Good for you Pizza on declining 400 bucks more is small change with your Cap1 limits, you will get more and Irish and you need more for Vegas

---

Hey CC.!!!!!!!!

We are trying to get together a Fico Mixer in Fabulous Las Vegas BABY!!!!!  Join us!!  Details coming soon....

---

Lol never heard of this lol... This could be so dangerous!  millions in credit and Black Jack, Massages, booze... Oh my I am game!  Lived there twice..   I know tons of people there..  I should be able to get myself comped at least at Belagio

---

OMG!! LMAO!!  

I think it would be SOOO cool to have a "mixer, fico meet and greet in LV!!  I know of 6 people now would are game to go as soon as we can get details of dates together.  Id love a massage...

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Would be awesome lol...  I get about to massages a week, kinda a lush .   Although the vegas meet would get thrown in the smorgasborg section lol and be hard to arrange on this forum...  Irish I gurantee would go, heck I would go and yourself.. Who are the others?   Trouble!

---

MJ, CA, Nixon, Pizza, Irish, CC...so far just a few that I know of would go!! Im gonna post it in CC's, because it will be CC related..We will meet in LV to have hours of "roundtable" CC discussions over booze, LMAO!!!

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Lol can't promise I won't drink, actually I wont even try to promise it is vegas I will be drinking... I will talk CC and gamble though..  

Edit: slow tonight, over booze, even better..  side tracking conversation sorry.  Watched fireworks now bored.  To go out or not

[UncleB]

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@kdm31091 wrote:
My point is more if your instinct tells you you arent going to get a high CLI, you simply wait. No need to ask and reject the low one.

Usually, your gut will tell you the answer. For example if the account was only open a month youd want to wait, as you know you wouldnt get a high CLI offer. If you barely use it, same thing. Applying your knowledge and good sense is often a great way to determine if you would be eligible for a decent increase. These things arent magic or done by computer tricks. If your profile supports it you will get it.

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Excellent point