Capital One Credit Limits

  • Posts: 18

Replied by AmyB98 on topic Re: Capital One Credit Limits

I think Capital One has stopped doing CLI requests. I was able to get one on one of my other accounts after it had been 6 months, but now when I try on my other account, the Backdoor account manager tells me he would have to do a soft pull of my credit report. I told him no, and I will wait and see. It has been six months, so I think they are cutting back on CLIs.
15 years 2 weeks ago #16
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

No, they added my limits together and kept one card. I called their back door number which you can find somewhere in this forum. I don't know what the number is but you can find it from previous discussions we've had.

Also, I didn't have to fill out any forms.
15 years 1 month ago #17
  • Posts: 8

Replied by shiu on topic Re: Capital One Credit Limits

hjm331 - When you combined your two cards did they decrease any of your credit limits or did they add them both together? Also, What number did you call and did you have to fill out a form or they did it for you over the phone?

Thanks in advance!
15 years 1 month ago #18
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

My CL is at $4,550 after requesting two account combinations. :laugh:
15 years 1 month ago #19
  • Posts: 296

Replied by Brian23 on topic Re: Capital One Credit Limits

HJM, what is you CapOne CL at? This kind've worries me now, cause I was hoping they would give me a nice CLI after my credit steps programs ends with them...
15 years 1 month ago #20
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

They used to give me $500 CLI's every 6 months like clock work but now they deny me and send me a letter talking about how I haven't maintained my current CL for at least 6 months so I don't bother calling anymore.
15 years 1 month ago #21
  • Posts: 311

Replied by cireone on topic Re: Capital One Credit Limits

Speaking of Cap1 giving CLIs a week ago I tried to get an increase on both of my accounts. On one of them it stated that my current program isnot eligible for customer requested CLIs,and on the other it gave the whole story of "did not meet credit criteria for an increase. I found it odd because I have never seen this before from Cap1. I have received increases from them everytime I asked and also auto increases too. But now they have excuses for not giving them. Have they tightened down without letting us know???????
15 years 1 month ago #22
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

Try calling in and ask for a request even though Capital One hasn't been giving a lot of CLI's lately. It would be a good idea combining this card with your other card and keeping the one that was opened in 2006 because of the longer history.
15 years 1 month ago #23
  • Posts: 8

Replied by shiu on topic Re: Capital One Credit Limits

Does anyone know if i am able to get a CLI for about $300-$500 for my cap1 card? I have just recieved the card today and i was gonna use this card for a balance transfer but my CL is only $1000. Has anyone ever tried to request a increase while activating the card?

Also if i get denied would it be a good idea to combine my 2 cap1 cards together? I have another cap1 card with a $500 CL which i had since 2006 and it currently has $0 balance. Any feedback would be appreciated.
15 years 1 month ago #24
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

You know me all too well! :laugh:
15 years 1 month ago #25
  • Posts: 4522

Replied by Meya on topic Re: Capital One Credit Limits

Shut up! I sort of figure that was coming :laugh: :laugh: :fun:
15 years 1 month ago #26
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

Meya, everybody wants their ends. :cheesing:
15 years 1 month ago #27
  • Posts: 4522

Replied by Meya on topic Re: Capital One Credit Limits

I think cap1 moves fast on higher payments. I was always able to edit or modify a pending payment til one day I sent them $1500 (I believe) and I thought about taking some back to give it to JcPenny's or Hooter's and before I was able to go back to the page, it was in the scheduled status and could not be modified. I feel out laughing at them. I was like, "What if that was all I had or made a mistake. You can't ask for something back that you owe them. I was not mad, but it was real funny to me because they wanted their ends :laugh: :laugh: .
15 years 1 month ago #28
  • Posts: 3479

Replied by hjm331 on topic Re: Capital One Credit Limits

Same here
15 years 1 month ago #29
  • Posts: 296

Replied by Brian23 on topic Re: Capital One Credit Limits

Yea, their system does move pretty fast (with payments) but I have made a couple of wrong clicks and I've had no problems changing/cancelling them online
15 years 1 month ago #30