Quicksilver One CLI

[Anonymous]

Hi All, 

For those that have the Capital One QS1, now is the time to ask for a CLI increase. I received my card back in March of this year with the low $300 limit, I requested two times through the EO for an increase but was turned down for my account being too new. I'm also enrolled in the Credit Steps program, expecting to get a $200 increase in October. I decided to try to hit the LUV button online, and received a $500 increase right away. So if you have a QS1 in credit steps, give it a try. So relieving to know that I have a little* more breathing room with this card. Hoping to get the big CLI jump when my 6 months hits in October, but hopefully I'll be able to upgrade myself to a Chase or Citi Bank card.

Good Luck!

[ErikaC1]

Congrats!

I have a Quicksilver One opened since July 2014 and went through the EO and was declined and I try the luv button and still no increse. So I got a new QS1 this month Credit Steps starting at $500 and I am trying the luv button when my first statement cuts so we will see. 

[Anonymous]

ErikaC1 - From what I've been reading, it seems like Cap 1 is more inclined to give CLI's on or around the 3rd statement cut. My 3rd statement cuts this week, so I thought I would give it a shot. 

[ErikaC1]

I think I will leave it alone then and try 3rd statement, if it does not work I'll try during the holidays. 

[Broke_Triathlete]

For me personally it happened on my 7th statement. I've also read on here that people have gotten CLI in one month of opening a card. So I just hit it every month to see what happens. I should be getting another one here soon, hopefully. 

I think it varies more than anything.

[Anonymous]

My second statement will be cutting in a few days and I have already paid in full. I do put heavy usage through it as well so I'm gonna try my luck with some luv after the statement posts. 

[Anonymous]

They *just* PC'd me to the QS MC from a Platinum that I had with them. I was in Credit Steps, and went from $300 to $2300 after the 5th statement cut in March 2015, and they offered the PC late last  month.. I'm planning to ask for a CLI at the 6 month mark after PC'ing (December) if they don't  Auto CLI me before then. I'd like them to take me up to $3k with the next CLI, but we'll see.  

[Anonymous]

I have had mine since december, initial CL $1,000, promised steps increase of $500 after 5 payments/6months. Used the heck out of card paying off multiple times a month, while still carrying a small balance. I was after the end of my 5th statement, had paid a few times last month, was impatient after lurking here...hit luv button. Instant increase of $2000. Hilarious thing was the other day I log on, and they gave me my promised $500... so WEIRD!!!!

My big unanswered question (burning) is... if I would have been patient and let them raise me to $1,500, I am betting I would have been forced to wait 6 more months? Or is it 6 months b/w manual CLI, and auto ones dont count?

The sad part is, come october, my 10 interest free months end, and APR of 22.9 begins (score was lower when appd). This wont be a problem for me as I dont always carry a balance. But it is peace of mind to have closer to prime interest. I guess I would have no choice but to call in and see if they will lower it (amex gave me 15.9, commerce bank 16%) but I am thinking I will have to PC it simultaneously?

The even more confusing thing is all the inconsistencies with quicksilver cards. Mine is a visa. With no AF. And in credit steps. Which conflicts with everything else half the time seeing more QS1 MCs with AFs that are closer to my scores. Lol. And now that I am realizing my Amex Viagra  can be used for travel....maybe I wont want to PC my qs to the venture. Perhaps I can get my CL at 5k, and somehow PC to a visa siggy with lower APR!

[Ashes]

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@Anonymous wrote:
Lol. And now that I am realizing my Amex Viagra  can be used for travel....maybe I wont want to PC my qs to the venture. Perhaps I can get my CL at 5k, and somehow PC to a visa siggy with lower APR!

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This is an actual thing or just autocorrect working its magic?

[Anonymous]

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@Ashes wrote:

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@Anonymous wrote:
Lol. And now that I am realizing my Amex Viagra  can be used for travel....maybe I wont want to PC my qs to the venture. Perhaps I can get my CL at 5k, and somehow PC to a visa siggy with lower APR!

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This is an actual thing or just autocorrect working its magic?

Lol. That would be the LAST card I'd want in my pants. I called it that because ppl call it AMEX ED and the ED made me laugh.