Yet Another Capital One CLI Question

[bichonmom]

Fusion, how long did you have your cc before you asked the CEO for a CLI? It would be interesting if that actually worked. I guess I'm just an optimist at heart.

[Anonymous]

---

@bichonmom wrote:
Fusion, how long did you have your cc before you asked the CEO for a CLI? It would be interesting if that actually worked. I guess I'm just an optimist at heart.

---

Too long to not have gotten an increase. I believe when you are persistent by phone and then writing them it gets the attention of someone who then presses a button on the computer to give you a CLI or maybe I just got lucky with the computer 

[John060675]

OK, I called Cap 1 and they said I was in the credit steps program.  They said on my 7th billing statement that there would be a "courtesy" increase to $750.  After that I would have to wait 6 or 7 more months and then call in to see if they can increase it.  I guess a little is more than none.

Also, I checked to see if my other Cap 1's CLI could be increased finally after 5 years, and I got the "no" answer.  I guess it cost me an inquiry, but I wanted to see where I stood with them.

[Anonymous]

^ Cap One pulls softs for CLIs, so you should be okay inquiry-wise.

[Anonymous]

---

@John060675 wrote:

OK, I called Cap 1 and they said I was in the credit steps program.  They said on my 7th billing statement that there would be a "courtesy" increase to $750.  After that I would have to wait 6 or 7 more months and then call in to see if they can increase it.  I guess a little is more than none.

Also, I checked to see if my other Cap 1's CLI could be increased finally after 5 years, and I got the "no" answer.  I guess it cost me an inquiry, but I wanted to see where I stood with them.

---

I think you see exactly where you stand now - in the same boat with the rest of us, on trhe deck of SS NOCLI. Ever. If they don't do a CLI after 5 years of perfect use, you have to ask yourself exactly what sort of thing would result in a CLI....or what length of time. And then ask yourself if you'll be around for the next ice age to see it.

And once your "credit steps" is done, which I've been told is basically one for sure increase (assuming perfect use) and then maybe more after that (don't hold your breath being the key here). It sounds like they'll do a hard pull to decline you, is it really worth dealing with them? I guess that is up to you.

[frogfan12]

I've gotten 2 CLIs from Capital One, although I must admit that they were years ago. I berated them on the phone and threatened to close my card with them. My CL went from $500 to $1K to $2500. It's worth a try, especially if you're using the card a lot. 

[Anonymous]

---

@frogfan12 wrote:

I've gotten 2 CLIs from Capital One, although I must admit that they were years ago. I berated them on the phone and threatened to close my card with them. My CL went from $500 to $1K to $2500. It's worth a try, especially if you're using the card a lot. 

---

So you are saying berating them on the phone is all it takes? I told them I was going to close my card because it could never grow with me and I got nowhere with that so I closed it, I didn't think to try berating them, I dunno maybe that did the trick. I felt like it though.

[haulingthescoreup]

Waaaaay back in the day (my college days, to be exact) I was a CSR. It wasn't a whole lot of fun, but I tried to help callers.

If anyone had called and "berated" me over things over which I had no control, I would have been pretty peeved. More than that, actually, but that's the word that I can use here on the forums.

Enough with the berating bit. CSR's don't deserve being screamed at on the phone. This includes Cap One CSR's.

If you want to escalate in a business-like manner to a supe in hopes of finding someone who can actually help you, feel free to post here how it went. "Business-like" is the operative term here, not berating someone making (maybe) 10 bucks an hour.

[Anonymous]

---

@haulingthescoreup wrote:

Waaaaay back in the day (my college days, to be exact) I was a CSR. It wasn't a whole lot of fun, but I tried to help callers.

If anyone had called and "berated" me over things over which I had no control, I would have been pretty peeved. More than that, actually, but that's the word that I can use here on the forums.

Enough with the berating bit. CSR's don't deserve being screamed at on the phone. This includes Cap One CSR's.

If you want to escalate in a business-like manner to a supe in hopes of finding someone who can actually help you, feel free to post here how it went. "Business-like" is the operative term here, not berating someone making (maybe) 10 bucks an hour.

---

---

---

I tried that - it went nowhere, as expected. I mean seriously, could it have gone any other way? Not with Cap One, I don't believe.

In fact I've talked several times with people I was told were "sups" not a single one of them could ever do anything to help me. That's my experience with Cap One. And that's why it's in my sock drawer and not in my wallet today.

[haulingthescoreup]

---

@Anonymous wrote:

---

@haulingthescoreup wrote:

Waaaaay back in the day (my college days, to be exact) I was a CSR. It wasn't a whole lot of fun, but I tried to help callers.

If anyone had called and "berated" me over things over which I had no control, I would have been pretty peeved. More than that, actually, but that's the word that I can use here on the forums.

Enough with the berating bit. CSR's don't deserve being screamed at on the phone. This includes Cap One CSR's.

If you want to escalate in a business-like manner to a supe in hopes of finding someone who can actually help you, feel free to post here how it went. "Business-like" is the operative term here, not berating someone making (maybe) 10 bucks an hour.

---

I tried that - it went nowhere, as expected. I mean seriously, could it have gone any other way? Not with Cap One, I don't believe.

In fact I've talked several times with people I was told were "sups" not a single one of them could ever do anything to help me. That's my experience with Cap One. And that's why it's in my sock drawer and not in my wallet today.

---

And I do understand that. Dud cards are dud cards.

I'm objecting to this bit about berating people who are stuck in a mostly-crappy job, but who are trying to pay their bills and keep afloat, just like the rest of us. I realize that you weren't the first to use the term.

My life got a whole lot better when I realized that there were some things out there that weren't going to change no matter what I did, and I stopped beating my head against the wall over them. I finally starting shaking my head and walking away instead.

Sock-drawering your Cap One card seems to be the same thing.