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Master Capital One CLD Thread

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Frequent Contributor

Re: Capital One - I got the CL CUT!

No CLD yet, though who knows if a bunch of inquiries around a mortage refi will spook them.  In any case, I took the card out to put general spend on it for about a month.

Message 271 of 277
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Frequent Contributor

Re: Capital One - I got the CL CUT!

@shmacckk 

 

This $32k limit that is still intact - is it your Savor or Venture?

 

Message 272 of 277
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Regular Contributor

Re: Capital One - I got the CL CUT!

Thank you, Capital One! The CLD from $16000 to $5000  on my Quicksilver reported today and my Ex Fico 8 did go up 16 points from 788 to 804.

 

(Full disclosure: I just paid off a $10000 balance transfer on my Discover It. It  also reported today, causing the aggregate utilization to drop from 10% to 8%).

Message 273 of 277
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Frequent Contributor

Re: Capital One - I got the CL CUT!

With all the excitement around Chase and AmEx lately I totally forgot about Cap One.  Just checked a minute ago and my $30k QS is still intact.  I guess the supposed 2-year review period did save me this time. 

Will downgrade hubby's Venture to QS shortly and we will see how long his $25k stays.  That card has a zero balance and negative miles resulted from canceled hotels.com reservations.  Will be interesting to see how Cap One handles it.  I will have no qualms paying them back at 1 cpp.  

Message 274 of 277
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Established Contributor

Re: Capital One - I got the CL CUT!

I which I had this thread before I ask for cli on my Wallmart mastercard yesterday. I have 19K credit lime which I did get a cli back im march of this year for 1K increase. I only spend about 300 to 400 dollars each month at Wallmart. I got the document this morning on line from Cap One saying that all cap one accounts are under review at this time. Cap one rep told me that over next couple of months cap one will reviewing all accounts for usageand at this time no cli's will be given out. Question is Cap One going to cut any Wallmart account lines or they going waite to next year because it has been about year since they took over Wallmart accounts. They may not want to rock the boat with Wallmart. I do have 3 cards with Cap One a quick silver mc 4.7K a sparks bus card with cl of 2K and the wallmart mc card with limit of 19K so far have been lucky no haircuts.

Message 275 of 277
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Established Contributor

Re: Capital One - I got the CL CUT!

 

The US Altitude go visa card has 4% on dining and 2% grocereies and I had great experience with US bank been with them since last August have 2 cards the Visa cash plus and The Altitude go visa card have total cl of 29.5K. I think the Altitude go card is much better then the savor card no fee..

Message 276 of 277
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Super Contributor

Re: Master Capital One CLD Thread

Closed my Quicksilver tonight. Was $10k limit for years, fixed 10.9% APR. Recently cut to $5k. 

The card is fine for what it does, but I've got too many others. Don't need a little $5k pebble distracting me.

 

Next up is Savor. Don't need an AF for minimal extra rewards. $30k limit on that one, still intact, but don't need the distraction from that one either. Not sure when I'll take steps to close it. AF is not up for several months.

 

After Savor is closed, no more CapOne in my wallet. Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 277 of 277
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