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Remind me again? Capital One limit increase

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fury1995
Valued Contributor

Remind me again? Capital One limit increase

Hit the button, approved...

 

Want to see if I can get it higher than $1,500

 

so I declined and kept the limit the same.

 

How long do I wait to request it again?

 

Thx

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 1 of 10
9 REPLIES 9
OmarGB9
Community Leader
Super Contributor

Re: Remind me again? Capital One limit increase

Probably 2-3 weeks, though that is on the higher end of CLIs from what I've seen, so I wouldn't expect it to go much higher (if at all).

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 10
Anonymous
Not applicable

Re: Remind me again? Capital One limit increase

Usually 6 months between credit limit increase requests.

Message 3 of 10
Anonymous
Not applicable

Re: Remind me again? Capital One limit increase

I tried to get a CLI through Capital One earlier today, and it didn't reject or accept me. Just said that I would find out in the coming days. So, I guess that means a HP for me? I've heard 6 months between requests, but have never received a CLI from them ever.

Message 4 of 10
Anonymous
Not applicable

Re: Remind me again? Capital One limit increase


@Anonymous wrote:

I tried to get a CLI through Capital One earlier today, and it didn't reject or accept me. Just said that I would find out in the coming days. So, I guess that means a HP for me? I've heard 6 months between requests, but have never received a CLI from them ever.


Usually the message is a denial, sorry.

 

Cap1 does SP requests through the LUV button so you shouldn't be worried about a HP.  You can hit it as often as you like but look at your letter if denied and see why.  When you get your first one, it's six months after that for each subsequent one.  My current denial is using a SP from August 25th, I've had a lot change since then.  And it basically said your not using the card enough, so no (ok, I get their point, lol).

 

OP - I would have taken the $1500, that's a nice increase from them.

Message 5 of 10
fury1995
Valued Contributor

Re: Remind me again? Capital One limit increase


@Anonymous wrote:

@Anonymous wrote:

I tried to get a CLI through Capital One earlier today, and it didn't reject or accept me. Just said that I would find out in the coming days. So, I guess that means a HP for me? I've heard 6 months between requests, but have never received a CLI from them ever.


Usually the message is a denial, sorry.

 

Cap1 does SP requests through the LUV button so you shouldn't be worried about a HP.  You can hit it as often as you like but look at your letter if denied and see why.  When you get your first one, it's six months after that for each subsequent one.  My current denial is using a SP from August 25th, I've had a lot change since then.  And it basically said your not using the card enough, so no (ok, I get their point, lol).

 

OP - I would have taken the $1500, that's a nice increase from them.


The last CLI's resulted in $2K and $3K so I was holding out for somethingalong those lines.

 

You think $1,500 is probably it?

 

Since I've already declined it, how long should I wait to request it again?

 

I know what the time frame is for accepting it (6 months).

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 6 of 10
Anonymous
Not applicable

Re: Remind me again? Capital One limit increase


@fury1995 wrote:

@Anonymous wrote:

@Anonymous wrote:

I tried to get a CLI through Capital One earlier today, and it didn't reject or accept me. Just said that I would find out in the coming days. So, I guess that means a HP for me? I've heard 6 months between requests, but have never received a CLI from them ever.


Usually the message is a denial, sorry.

 

Cap1 does SP requests through the LUV button so you shouldn't be worried about a HP.  You can hit it as often as you like but look at your letter if denied and see why.  When you get your first one, it's six months after that for each subsequent one.  My current denial is using a SP from August 25th, I've had a lot change since then.  And it basically said your not using the card enough, so no (ok, I get their point, lol).

 

OP - I would have taken the $1500, that's a nice increase from them.


The last CLI's resulted in $2K and $3K so I was holding out for somethingalong those lines.

 

You think $1,500 is probably it?

 

Since I've already declined it, how long should I wait to request it again?

 

I know what the time frame is for accepting it (6 months).


I've been spoiled with $2.5K, $4K and $5K CLI's on two different cards but even if they had come back either time with $1,500 I would of accepted that.  If you want more, I'd wait 3 weeks but there is always the chance that they could say no or even lower it.  I'm not a big gambler and would have just said yes but that's just me.

Message 7 of 10
audia4
Established Contributor

Re: Remind me again? Capital One limit increase

Does it matter what type of Cap 1 card it is?

 

The hubby got one back in July and they only gave him a $500 limit. Is he able to hit the love button at this early stage?

 

I forgot to say...he has the quicksilver platinum

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 8 of 10
Anonymous
Not applicable

Re: Remind me again? Capital One limit increase

I got an increase in my QS1 at about the 70-75 day mark. Doesn't hurt to try, all they'll tell you is nope and you'll get a letter saying why. It's a SP so that's good.
Message 9 of 10
audia4
Established Contributor

Re: Remind me again? Capital One limit increase


@Anonymous wrote:
I got an increase in my QS1 at about the 70-75 day mark. Doesn't hurt to try, all they'll tell you is nope and you'll get a letter saying why. It's a SP so that's good.

 

Thanks for the info. I'll have him try since he's over the 90 day mark. As long as it's a SP for sure, it doesn't hurt to try. Smiley Happy

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 10 of 10
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