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Does Cap 1 typically auto increase at the 9 moth mark? Opened QS1 December, requested CLI via luv button April granted $100, auto increase 6 months from $400 to $750. Wondering if I should anticipate auto increase next week or if I should request?
@Anonymous wrote:Does Cap 1 typically auto increase at the 9 moth mark? Opened QS1 December, requested CLI via luv button April granted $100, auto increase 6 months from $400 to $750. Wondering if I should anticipate auto increase next week or if I should request?
I'd never anticipate an auto CLI with any lender. I may be mistaken but I believe that with CapitalOne, you need to wait 6 months between user requested CLIs so you may have to wait until October before you can request one.
Thank you.
I have the two small Cap 1 QS1 cards. one currently at $750/9 months this week and a second QS1 going on 2months is only $300. Both are in perfect standings with PIF multiple times each month.
i also have a BofA $99/$500 also going on two months and PIF after posting
Best caerd and limit so far is NFCU Cash Rewards instant approval hours after opening account of $2,100. will CLI end of October and app for 2nd card
my Fico8 scores took a very nice jump Friday
TU: 609/644
EQ:614/637
EX:610/639
Util. 3%
I wonder if apping for the regular QS will be successful.
Any thoughts?
oh, should mention that i got caught up in the SCT and have 10 Commenity cards. i did it to increase my total CL to keep util. low on my credit cards. Most decent starting limits one is only $250, one is $300, one is 350, one is $500, five are $1K and one is $2.5K
@Anonymous wrote:Thank you.
I have the two small Cap 1 QS1 cards. one currently at $750/9 months this week and a second QS1 going on 2months is only $300. Both are in perfect standings with PIF multiple times each month.
i also have a BofA $99/$500 also going on two months and PIF after posting
Best caerd and limit so far is NFCU Cash Rewards instant approval hours after opening account of $2,100. will CLI end of October and app for 2nd card
my Fico8 scores took a very nice jump Friday
TU: 609/644
EQ:614/637
EX:610/639
Util. 3%
I wonder if apping for the regular QS will be successful.
Any thoughts?
oh, should mention that i got caught up in the SCT and have 10 Commenity cards. i did it to increase my total CL to keep util. low on my credit cards. Most decent starting limits one is only $250, one is $300, one is 350, one is $500, five are $1K and one is $2.5K
Scores seem bit low to be approved for the QS card right now but you should check the C1 preapproval site. If it shows a preapproval, then go ahead and apply. If not, I'd hold off for bit before you try.
Also, whatever you do, stop with the SCT cards. Whatever score improvements you might get from utilization is being killed by opening new accounts which are greatly hurting your AAoA. Honestly, I would think about closing some of the low limit cards. You need to focus on your better cards and letting them age. Then you'll be able to start getting some other major credit cards with bigger limits.
I would love to close some of them, but was concerned it would hurt my scores since they were all opened between beginning of June and mid July. Is that the case?
i stopped, no more store cards.
Do i just call and ask to have them closed? impact on my rising scores?
@Anonymous wrote:I would love to close some of them, but was concerned it would hurt my scores since they were all opened between beginning of June and mid July. Is that the case?
i stopped, no more store cards.
Do i just call and ask to have them closed? impact on my rising scores?
Closing them won't hurt your scores. They'll continue age and report your credit reports usually for 10 years. Only way that closing any would hurt your scores is if they alter your overall utilization. Still, closing the low limit ones can't make that much of a difference and any minor score change is very temporary until you pay down your other cards some.
gtreat, thank you for that clarification!
My utilization is only 3%
I will go close all 4 that are under $1000.
ive had my platinum card(now QS) for 4 years... i got their 5 month auto CLI and then ive gotten an auto CLI every 6 months.. started at 300 now at 1750
@Anonymous wrote:
@Anonymous wrote:
oh, should mention that i got caught up in the SCT and have 10 Commenity cards. i did it to increase my total CL to keep util. low on my credit cards. Most decent starting limits one is only $250, one is $300, one is 350, one is $500, five are $1K and one is $2.5K
Also, whatever you do, stop with the SCT cards. Whatever score improvements you might get from utilization is being killed by opening new accounts which are greatly hurting your AAoA. Honestly, I would think about closing some of the low limit cards. You need to focus on your better cards and letting them age. Then you'll be able to start getting some other major credit cards with bigger limits.
+ Infinity Often the SCT hurts more than it helps. Op, I agree with Irish, good job at closing some. I think you were fortunate that Comenity didn't close them all.
I think I always had to ask Cap 1 for cli. They did PC DW from Plat to QS not long after she got her card. I believe it was 3 months. She did not have ask for PC