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So I've heard it was nearly impossible to get a CLI from Cap one within 90 days on new accounts.
Here is my situation, May 28th I applied for Cap One Plat and was given a toy amount $300 on the same day I got a $12,000 CLI for my Sync Lowes card which also started at $300.
I've since got my scores up 50 points and I tried the Cap One CLI even though I read it was pointless on new cards within 90 days. The automated system is offering to bump me $100 to $400 (I know fire up the celebration lol) .
Do I accept this offer from the automated system or call and attempt for a higher CLI? Or wait? I'm not sure what to do and would love some advice. Thanks everyone.
I wouldn't waste a CLI for $100. I'd wait 6 months and do a CLI request then and chances are you'd do better.
@Anonymous wrote:I wouldn't waste a CLI for $100. I'd wait 6 months and do a CLI request then and chances are you'd do better.
It's not a waste If OP is on Credit Steps - And with a new account at a $300 SL, it's guaranteed they are. A pre-Credit Steps CLI should always be taken because you'll still get your Credit Steps CLI after the fifth statement generates. That starts the 6 month CLI clock.
Thanks for the input guys, I do not know if I am in credit steps lol but probably am. Think I remember seeing something about automatic CLI in 5 statements. Went ahead and accepted the $100 CLI. Even if I have to wait till Feb to get another it's not such a big deal. I really appreciate the advice members here put forward. Like AverageJoesCredit says "It's a marathon not a sprint race".