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Contributor
Bluedog23
Posts: 77
Registered: ‎02-02-2013

Surprise Unsolicited CLI from Cap One!

So I got a Cap One MasterCard in Nov. 2012. Accompanying paper work described credit steps yada yada. That was ok with me. Today I login to see if a purchase posted and there it was..CLI from 500 to 2000. I know lots of people have had success after contacting EO but this was totally unsolicited by me. I checked acct history and I have only had four statements. Wonder what if I'll still get the step increases? (Greedy me) Just wanted to share this surprising good new from Cap One.
EX 781; EQ Fico 762; TU. 762 Discover)
AMEX BCE 20,000; Discover 8000; Cap One 5000 ; Sam's Club 7000; CU Visa 2500
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Surprise Unsolicited CLI from Cap One!


Bluedog23 wrote:
So I got a Cap One MasterCard in Nov. 2012. Accompanying paper work described credit steps yada yada. That was ok with me. Today I login to see if a purchase posted and there it was..CLI from 500 to 2000. I know lots of people have had success after contacting EO but this was totally unsolicited by me. I checked acct history and I have only had four statements. Wonder what if I'll still get the step increases? (Greedy me) Just wanted to share this surprising good new from Cap One.


If you received it in November, wouldn't May be your 6th statement( December, Jan., Feb, March, April, and May). If so, seems like that was your 6 month 'credit step' increase.


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
SpecFile
Posts: 1,357
Registered: ‎08-07-2007

Re: Surprise Unsolicited CLI from Cap One!

I don't believe I've ever seen a credit step jump up that much. I could be wrong though.



Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Surprise Unsolicited CLI from Cap One!


SpecFile wrote:
I don't believe I've ever seen a credit step jump up that much. I could be wrong though.

There have been others on here that were expecting a $250 increase and received more...likely because the exec office has been flooded with unhappy customers and poor Richard receiving all of those emails..lol :smileywink:


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
TimeToRecover
Posts: 527
Registered: ‎03-21-2013

Re: Surprise Unsolicited CLI from Cap One!


SpecFile wrote:
I don't believe I've ever seen a credit step jump up that much. I could be wrong though.

Mine did 1000 to 2500 on the 6th month exactly


Starting Score: 570 ish
Current Score:EX (666) Fair Isaac Ver24/21/2014, EQ (669) Beacon 5 4/21/2014, TU (699) Fico Classic 04 4/21/2014 (ALL MORTGAGE PULL So close to that 700)
Goal Score: 750
NEW HOUSE - Building 2% complete
In My Wallet: GE Care Credit (8K) BofA Cash Rewards Signature Visa (5K) Cap One Quicksilver (4.5K) Chase Freedom (4K) VS Angel Card (900)
Contributor
Bluedog23
Posts: 77
Registered: ‎02-02-2013

Re: Surprise Unsolicited CLI from Cap One!

Went back and counted in statement history . In my excitement, just counted the number of statements. And saw only four listed. sorry. I always thought the CLI with steps came on 7th statement. That really wasn't the surprising part of the CLI anyway---It was that I expected whenever step increase came it would be 250.00 not a 1500 bump.
Didn't know they sometimes did increases like this on this type of card. so, just felt like sharing that news. From much of what I've read on here, I never really expected much from this card CLI wise. It was going to be just a means to an end and it really has. Already have credit lines many l times this after just a short time.
EX 781; EQ Fico 762; TU. 762 Discover)
AMEX BCE 20,000; Discover 8000; Cap One 5000 ; Sam's Club 7000; CU Visa 2500
Established Contributor
knoregs
Posts: 567
Registered: ‎06-04-2012

Re: Surprise Unsolicited CLI from Cap One!

Damn... Congrats! Mine went from $300 to $500 with the credit steps. WooHoo! I'll be going the EO route at the 1 year mark this July, shooting for a 4x CLI to $2k. ~kn

EQ: ??? (No Current)
EX: ??? (No Current)
TU: 667 (Discover FICO) 6/12/14

Last App 12/17/13... In Garden 'till July/August '14
Community Leader
Senior Contributor
myjourney
Posts: 25,139
Registered: ‎02-07-2013

Re: Surprise Unsolicited CLI from Cap One!

They have 2 credit step programs 4 statements and 7 statements 

 

I got 2 cards the same day and both were different

1 of each credit step program and different CLI amounts 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Valued Contributor
Scupra
Posts: 1,128
Registered: ‎07-12-2012

Re: Surprise Unsolicited CLI from Cap One!

I obtained my card in October at a $500 limit with a letter that stated on the 6/7th statement I would see $250 CLI. I logged in and it went to $2k so it must be something new. 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Valued Contributor
SpecFile
Posts: 1,357
Registered: ‎08-07-2007

Re: Surprise Unsolicited CLI from Cap One!

Very cool. Congrats!!




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