Unexpected Cap1 CLI

[cahiatt]

I opened a Cap1 and Orchard card about four months ago. Typical of them when you have lower credit scores the limits were $500 and $300 respectively. Haven't really used it much but kept it PIF every month. Just logged in to pay my statement balance and had a CLI to $1500. Sweet...

I was actually thinking about cancelling them both but may keep the Cap1 as a backup plan. Wait out the Orchard and see what happens with their card I guess.

Garden time.

[Datx]

Awesome! Love hearing these CLI on Cap One card threads. Congratz!

[Switch2007]

Thats so great!!!! Was that your first CLI with them??? I've attempted to get past the $750 CL with Cap1, and they're NOT budging. I've had mine for about a year now, and my score has improved soooo much... When I ask them about it, I get the standard, your account isn't eligble for an increase. Good to hear that you got it though. Gives me a bit of hope (not much though )

[cahiatt]

It was my first CLI with them. Only had the card about four months and didn't ask for it either. It was just there. Must have been something their automated review liked about my profile.

The first two months I would max it out nearly every week and pay it off on Monday. Haven't used it in about six weeks as the low limit was more of a hassle as I had to pay it off too frequently. I do run nearly $10k per month between my Elan Visa and Amex. Maybe they are baiting me to use it and try and get more swipe fees out of me

[Datx]

It seems like the peeps getting a CLI from Cap One are using the card heavily and the ones that don't get a CLI is the ones that have the card in the sock drawer. Thats what it seems like anyways, I don't know that for a fact.

[Switch2007]

I wouldn't be surprised about that either... I rarely used mine for the same reason... just too much hassle to keep PIF every couple weeks with a low limit... DULY noted though. OH, and I checked and got a CLI on my Orchard !!! Just $200 but thats more than I've seen before

[laz98]

i hope i get one before the AF hits next month!  congrats to you lucky ones!

[clocktick]

That's great!!  Maybe you're part of their Credit Steps?  If so, you may get another one (if they still do that).

Congrats again!

[AnaMKMK]

Just wanted to add... Just got a CLI from Cap1 and the card sees almost no activity. Probably 1 charge in the last year. I was very surprised by the increase, last CLI was about 5-6yrs ago with them. It also came with an offer to do a balance transfer at 0% for a year + 3% fee...they just got the last of my chase balance.

[CS800]

Congrats !!

I have had my cap one since 2008 and always PIF. I am still with my $1100 and never got a CLI even though I ask every 6 months.

I generally charge a bout $400 on it and PIF every month.

As a matter of fact I have two cards with them and one of them has a CL of $500 and an AF of $60

Can't wait to get rid of that one.

A backdating AMEX card would save me.