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cap1 cc cli

Community Leader
Senior Contributor

Re: cap1 cc cli


SSH0126 wrote:
Only 300

My money is on, you're enrolled in credit steps Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 11 of 27
Community Leader
Super Contributor

Re: cap1 cc cli


SSH0126 wrote:
Only 300

Yep, thats a credit steps account. Start requesting an early CLI after the account is 60 days old.

Most Recent FICO 8 Scores EX601/TU580/EQ589 12/08/2017 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 12 of 27
Established Contributor

Re: cap1 cc cli

Do you have to wait so many days before asking again so that you won’t get an auto denial? Wondering if anyone else had one that low..what it was raised to. Have one baddie and this will be the only one with good history.

Paid the 39 fee down to 22.00 so as soon as I get the statement will pay to zero that same day.
Message 13 of 27
Community Leader
Super Contributor

Re: cap1 cc cli


SSH0126 wrote:
Do you have to wait so many days before asking again so that you won’t get an auto denial? Wondering if anyone else had one that low..what it was raised to. Have one baddie and this will be the only one with good history.

Paid the 39 fee down to 22.00 so as soon as I get the statement will pay to zero that same day.

No, you can request one every day. If they deny a CLI for credit score, asking is a backdoor way of getting a free FICO score from Equifax, since the score will be on the denial... Not sure which score model they are using these days.

 

And no it does not result in a hard pull.

Most Recent FICO 8 Scores EX601/TU580/EQ589 12/08/2017 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 14 of 27
Established Contributor

Re: cap1 cc cli

Seeing tow conflicting things.use card heavy but 700 in 24 days no. Which one is it?
Message 15 of 27
Community Leader
Senior Contributor

Re: cap1 cc cli


SSH0126 wrote:
Seeing tow conflicting things.use card heavy but 700 in 24 days no. Which one is it?

Depends on your self control. Cap1 will give higher CLI's with usage to back it up

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 16 of 27
Established Contributor

Re: cap1 cc cli

We can pay should we pay same day or next day and out of 300 should we use the entire amount or not if trying to get high increase?

We have one collection post bk and that’s the only card we have right now
Message 17 of 27
Community Leader
Senior Contributor

Re: cap1 cc cli


SSH0126 wrote:
We can pay should we pay same day or next day and out of 300 should we use the entire amount or not if trying to get high increase?

We have one collection post bk and that’s the only card we have right now

If you feel you can control your spending, spend whatever you like and pay it down before the statement hits. Make sure the card doesn't report more than a 10% balance.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 18 of 27
Established Contributor

Re: cap1 cc cli

We had horrible credit before and haven’t restablished so I’m wondering if they will increase at 60 days or if we will have to wait to 6 months because we are close to a year and just now able to back get in. And he had no debt with cap 1.
Message 19 of 27
Community Leader
Super Contributor

Re: cap1 cc cli


SSH0126 wrote:
We had horrible credit before and haven’t restablished so I’m wondering if they will increase at 60 days or if we will have to wait to 6 months because we are close to a year and just now able to back get in. And he had no debt with cap 1.

No way to know un til you hit the button. Go ahead, and do it, there are no negative consequenses involved with doing the online request. You can do it every single day if you like.

Most Recent FICO 8 Scores EX601/TU580/EQ589 12/08/2017 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 20 of 27