How Long Before Asking Again For Cap1 CLI?

[ClaimJumper]

I finally got my wife to start paying her balance in full BEFORE her statements cut. To be more precise, I've simply started logging on and paying her cards myself.

 

She had no negs and no inquiries on her reports. Her FICOs shot up to 800+ scores.

 

After her Cap1 reported with a zero balance and all reports were over 800, she hit the LUV button and was denied for a CLI.

 

There was only one reason given "Recent use of this account's existing credit line has been too high."

 

She's had the card for over 3 years and has a fairly low credit limit considering her income and perfect credit.

 

How long should she wait before hitting the LUV button again?

 

Other info: She was kinda pissed at Cap1 so she picked up a Chase card, two AmEx cards, a Disco card, and a NavyFederal card in a small app spree.

[ccn3]

That's odd, they recently denied my CLI for "Recent use of this account's existing credit line has been too low". I have had mine for almost ten years. I had a measly $500 limit for five years, and was able to get a small increase by writing EO. I have been trying the luv button maybe every six months for years with no luck.

Edited February 11 by ccn3

[cv91915]

Good plan moving along from the starter card.  For most it's not worth the time or effort with older Capital One cards whose purpose have long since passed.

 

Why is she screwing around with Navy Federal's subprime cards when she has good credit?   

[PotO]

11 hours ago, ClaimJumper said:

I finally got my wife to start paying her balance in full BEFORE her statements cut. To be more precise, I've simply started logging on and paying her cards myself.

 

She had no negs and no inquiries on her reports. Her FICOs shot up to 800+ scores.

 

After her Cap1 reported with a zero balance and all reports were over 800, she hit the LUV button and was denied for a CLI.

 

There was only one reason given "Recent use of this account's existing credit line has been too high."

 

She's had the card for over 3 years and has a fairly low credit limit considering her income and perfect credit.

 

How long should she wait before hitting the LUV button again?

 

Other info: She was kinda pissed at Cap1 so she picked up a Chase card, two AmEx cards, a Disco card, and a NavyFederal card in a small app spree.

 

CapOne is weird.  They want to see use, but not too much.  

[ClaimJumper]

7 hours ago, cv91915 said:

Good plan moving along from the starter card.  For most it's not worth the time or effort with older Capital One cards whose purpose have long since passed.

 

Why is she screwing around with Navy Federal's subprime cards when she has good credit?   

That's my fault. I remember reading a couple of years ago that NavyFed was giving out huge limits to applicants with clean credit. All of her cards have very low limits (except for her new cards). Because she had low limits and always left a balance on her cards the utilization was fairly high.

 

Probably should have researched a little more on what cards to get. I haven't been around this site for a while. But I'm pleased with the other cards she received and the limits.

[cv91915]

46 minutes ago, ClaimJumper said:

That's my fault. I remember reading a couple of years ago that NavyFed was giving out huge limits to applicants with clean credit. All of her cards have very low limits (except for her new cards). Because she had low limits and always left a balance on her cards the utilization was fairly high.

 

Probably should have researched a little more on what cards to get. I haven't been around this site for a while. But I'm pleased with the other cards she received and the limits.

The great thing about having great credit is everyone wants to give you decent credit lines.    

 

If the Amices are revolvers she has a couple of 3X opportunities ahead.

[muso]

If her FICOs are >800 then who gives a %&!t what Crap One says?  Sock drawer that subprime POS  💩 

 

Unfortunately, it looks like she used up all her 5/24 slots in her app spree and has to wait 2 years to get another Chase card  but she's way better off with her new ones!

Edited Friday at 03:14 AM by muso

[ClaimJumper]

On 2/14/2019 at 10:13 PM, muso said:

If her FICOs are >800 then who gives a %&!t what Crap One says?  Sock drawer that subprime POS  💩 

 

Unfortunately, it looks like she used up all her 5/24 slots in her app spree and has to wait 2 years to get another Chase card  but she's way better off with her new ones!

I agree. I was trying to get her some large limits so her score won't go down much if she lets cards cut with a balance.

 

The one redeeming factor with CapOne is their end of the year statements where they break everything down by category. It makes tax time a lot easier when scanning for deductions we may have missed.

 

As for getting more Chase cards, she rarely gets new credit. Two years isn't a big deal for her.

[Thumbnuts]

On 2/11/2019 at 9:57 AM, ClaimJumper said:

That's my fault. I remember reading a couple of years ago that NavyFed was giving out huge limits to applicants with clean credit. All of her cards have very low limits (except for her new cards). Because she had low limits and always left a balance on her cards the utilization was fairly high.

 

Probably should have researched a little more on what cards to get. I haven't been around this site for a while. But I'm pleased with the other cards she received and the limits.

I remember reading that here too. When did Navy Fed become a subprime card?

[PotO]

25 minutes ago, Thumbnuts said:

I remember reading that here too. When did Navy Fed become a subprime card?

 That's only in CV's brain.  To be fair, it could be physiological caused in at least part by STDs, infections and lack of a penis.

Edited Sunday at 06:03 AM by PotO