Good Morning my fellow MyFicoers....So I finally took the plunge and PC'd an old Cap1 Platinum card to Venture One with no problems and then I asked for a CLI and I received this nice little email from Cap1:
Well it looks like that I will have to wait 6 months after my PC to Venture One to get a CLI on this account but yet the odd thing is that I was pre-qual'd for the Quicksilver card....I will wait for 6 months and let my other INQ age some and then hit Cap1 again 
I have gone from $500 SL to $2500 last April and to $6500 in December. My scores have been 650-680 (Fico 8)
That being said I PIF every month before the due date, and when my CL was $500 I came close to it a few times then they auto uped me to $2500. Then around Dec I made a couple big charges and was close to the limit again and then I PIF and they auto upped me to $6500 the next month.
I only have the one card though so all my usage is with them
There is a good discussion of this in Approvals.
http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Cap1-and-their-measly-increases/td-p/4565857
NeverTooLate wrote:There is a good discussion of this in Approvals.
http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Cap1-and-their-measly-increases/td-p/4565857
That thread is mostly complaints about how small Cap One CLI's are. And to the OP, I don't think there's any magic credit score to score a CLI, it's utilization. I got my Quicksilver card in Oct 2014 with $10k SL. I've asked for a CLI twice, turned down both times with a message that basically said my CL was adequate for the usage. But I got a Spark Select biz card in Oct 2015 with $5k SL. I had to spend $3k within 90 days for a $200 spend bonus, which I did, but made large payments so the card wouldn't report a balance over 29% utilization even though it was 0% APR until May. I requested a CLI after the 4th statement, instant approval of a $3k CLI, a 60% increase to $8k; my CS was maybe a few points higher than when approved. Convinces me that heavy utilization is key to a CLI from Cap One.
MrSteel wrote:First time applying for a BarClay card and the online said it needed further review and to call the number below to speed things up. I did and they are requesting a copy of my SSN, DL and Utility bill. Never had this asked before and wondered if it was new or something else?
I applied for one of their cards and they asked me for all of the above documents. I sent them and tracked it so I know it was delivered. They then sent a letter saying they needed a UT bill. I sent it again (as it was in the first set of documents). I called several times to follow up and they finally said after a couple weeks they got both sets of documents but could not read the DL for whatever reason. I offered to enlarge it and send it and they said ok so I did this express mail and tracked it. Called several times and they said they don't show it as being received yet. It was delivered on the 26th of April. My orginal app was around the 4th of April. I got another letter yesterday saying they needed more info so I called them and they said the Social Security card was not clear (its my original card over 50 years old). I said it won't get any clearer, do you need tax documents or something else. They said just give it a while and we'll see when they update after receipt of the last info the enlarged DL. Said it could be as long as 15 days after receipt of the last document sent. They also said they work the pending apps in the order they receive the documents and they get a huge volume of mail so expect a delay after you send them unless you get lucky.
Long story short, I have not been denied or approved yet so Barclay asking you for documents is probably good for you. I have had to send documents to Nordstrom; BMW Visa; DCU and PenFed. I think its becoming kind of normal now. After they got the documents they approved the cards all except Barclay. It's still in limbo almost 30 days later.
Others have mentioned they got quick approval from Barclay upon sending the documents so I hope it works quickly and favorably for you. I don't think (I could be wrong) that they would ask you for documents if they denied or were going to deny you unless they don't like what you send for some reason. Just make sure they are very clear because they can't see worth a da----- it appears.
Good luck.
DaveInAZ wrote:
NeverTooLate wrote:There is a good discussion of this in Approvals.
http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Cap1-and-their-measly-increases/td-p/4565857That thread is mostly complaints about how small Cap One CLI's are. And to the OP, I don't think there's any magic credit score to score a CLI, it's utilization. I got my Quicksilver card in Oct 2014 with $10k SL. I've asked for a CLI twice, turned down both times with a message that basically said my CL was adequate for the usage. But I got a Spark Select biz card in Oct 2015 with $5k SL. I had to spend $3k within 90 days for a $200 spend bonus, which I did, but made large payments so the card wouldn't report a balance over 29% utilization even though it was 0% APR until May. I requested a CLI after the 4th statement, instant approval of a $3k CLI, a 60% increase to $8k; my CS was maybe a few points higher than when approved. Convinces me that heavy utilization is key to a CLI from Cap One.
I agree that there are some complaints in the other thread, but there are some good data points there nonetheless. 
This is true my scores are not that bad that I cannot get credit. US Bank , FBNO, bofa, denied me even secureds! Citibank is the only one I personally burned, yet the other three still hold their ground. My EX is trash compared to other two bureaus, bad marks lifted from TU and EQ. Its numerical score still 686 from last letter. Walking right into the den is a personal battle I want to win w/ citi
Even though I have two American Express cards open I still cannot acquire the one I want I think those bad marks showing tie arm behind my back, no matter how many swipes large purchase w/ immediate payoffs I do
I know they'll use the same HP if and when one applies for additional products but...
can or will they do a SP at the time of apping?
I'd like them to due to recent score bump.
Thanks
Sorry OP... Discover usually pull TU as fas as I know.
Same happened to me. When I combined both of my QS1 CCs they denied my cli due to recent change in limit. Cap1 said I have to wait 6 months 
The automated line now is saying 30 day message. You are right when I first called they said 24-48 hours. When I called next day they said it could take up to 2 weeks but shouldn't be that long. I will take your advice and wait till eally don't want to have to talk to a senior analyst they may grill me more lol. They make it s when talking to them if recommended for approval it's almost a lock unless something crazy is pending which she said from looking at it she can not see any reason why it wouldn't get approved.
You could have a 750 FICO and discover could deny you.. They are a weird card company so move on for now.. Might be able to get an Amex or Chase with those scores.. Have you tried the prequal tool for either of those two card companies? Borderline with Amex, but possible and Chase lets 640 and up in if pre-qualified
I thought when you PC it doesn't affect your CLI time? If it does I'm screwed. I just PC'd to Quicksilver from Platinum and had two months left before I could request a CLI.
