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New Member
Posts: 3
Registered: ‎10-11-2012
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Auto CL increase from Cap One

Cap One doubled my CL from $1,000 to $2,000.  I've had the account open for 6 months.  Payments have been early and frequent to keep my utilizations down, for the most part.  Oddly enough my utilization was a bit high when I got the increase.  

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Auto CL increase from Cap One

Sounds like the largest credit steps increase I've heard of.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
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Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Auto CL increase from Cap One


Bruja wrote:

Cap One doubled my CL from $1,000 to $2,000.  I've had the account open for 6 months.  Payments have been early and frequent to keep my utilizations down, for the most part.  Oddly enough my utilization was a bit high when I got the increase.  


Wow, nice credit steps... I started with 2k CL, next month, credit steps said $500 CLI... so I will be getting 2.5K CL... sadly, it's still lowest limit.

 

Or maybe it's just said generic $500 CLI... hopefully I will be getting more.. atleast 1k or 2k...

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Auto CL increase from Cap One

Which Capital One card do you have? Is it the Secured?

 

I have the Secured and I'm about to get my 6th statement at the end of this month. $600 CL and always PIF


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Regular Contributor
Posts: 237
Registered: ‎06-27-2011
0

Re: Auto CL increase from Cap One

Credit steps CLI - last CLI you'll see from them for eternity.


Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

New Member
Posts: 3
Registered: ‎10-11-2012
0

Re: Auto CL increase from Cap One

eviLution: I have an unsecured platinum card.  

Super Contributor
Posts: 5,754
Registered: ‎12-11-2011
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Re: Auto CL increase from Cap One

That is a huge credit step CLI from them. I started with 3k and they only bumped me $500. Congrats. 

;
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Auto CL increase from Cap One


Bruja wrote:

eviLution: I have an unsecured platinum card.  


Thanks. I'll be lucky if I'll get even a $100 increase on my 6th statement lol. Congrats!


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Auto CL increase from Cap One

Wow, impressive. Congrats on the increase! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Posts: 72
Registered: ‎09-07-2012
0

Re: Auto CL increase from Cap One

I got my green MC rewards from Capital One about 9 months ago. Started with a $500 CL and they automatically increased it to $3,500 about 5 months ago. When I first got the card they said I was in credit steps and that after 1 year my CL would be raised to $750....I guess they changed their mind.

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