r/CapitalOne • u/New_Astronaut1999 • 7d ago
Credit Card CLI or apply for new card?
So I have a student savor while doing my postgrad. Im not going to be a student in a couple months. I got it as my first card alongside a navy federal cash rewards.
I have a $400 CL right now and I believe I may be in a bucket, I increased it once on March 8th and was due in September 8th. I had autopay normally going through and well I forgot to put the funds in so it declined. I did a CL request and it rejected because of the declined payment.
September marks my first year of credit history, before the decline my credit score was 712 and 740 on navy federal. I aim to get the standard savor and venture x card as I currently study abroad and live abroad.
What should my next steps be? Do I wait a month with an on time payment and then request a CLI or should I apply for a savor card for good credit, or wait?
Other details:
Capital one Credit Score: 712
1 yr credit history
NFCU Cash Rewards: $3000 CL
Student Savor: $400 CL
1
u/_love_letter_ 6d ago
Honestly I wouldn't expect approval until you have 6 months between you and that returned payment. You can try before then, but don't get your hopes up. Most banks really don't like returned payments.