When to ask for Cap1 CLI?

[Kostya1992]

Hey guys. I'm on my 9th statement with Cap1. On my 6th statement they gave me an auto CLI (300>3300). When would be an ideal time to ask for a CLI or should I not bother and hope for one on my 12th statement? Thanks.

[Anonymous]

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@Kostya1992 wrote:

Hey guys. I'm on my 9th statement with Cap1. On my 6th statement they gave me an auto CLI (300>3300). When would be an ideal time to ask for a CLI or should I not bother and hope for one on my 12th statement? Thanks.

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6 months after your last Increase.

[Kostya1992]

Quickest response in the world. That's what I've been thinking haha. Guess if they don't give me auto-luv I'll have to go through the trouble of hitting the luv button after 12th statement then. Does it always say that they have to review my account for the CLI or can it be instant?

[Anonymous]

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@Kostya1992 wrote:

Quickest response in the world. That's what I've been thinking haha. Guess if they don't give me auto-luv I'll have to go through the trouble of hitting the luv button after 12th statement then. Does it always say that they have to review my account for the CLI or can it be instant?

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Instant or not approved.

[Kostya1992]

Awesome.

On a related note, my Sallie Mae/Citi TYP/Freedom are all hitting their 6th statements in early January. Wonder if I'll get some luv from any of them? Assuming not since my credit history is fairly young.

[Anonymous]

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@Kostya1992 wrote:

Awesome.

On a related note, my Sallie Mae/Citi TYP/Freedom are all hitting their 6th statements in early January. Wonder if I'll get some luv from any of them? Assuming not since my credit history is fairly young.

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Can't really give you a definite answer on any of them, but it depends on your usage, credit profile, new accounts, blood pressure.

[waters]

The general rule is every 6 moths. Personally I have gotten 2 clis in 4 months and from here on out plan to click the luv button every 3 months and ask them to manually review a denial if I feel my usage justifies a cli at that time.

Remember capital one is not chase, citi etc. They will never again ever for any reason HP you. So click that button and recon it as needed.

Don't be afraid.