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Established Member
Posts: 23
Registered: ‎10-11-2012

Cap One automatic CLI!

Hi Folks, 


Just wanted to share some news. I just hit my 6 th month mark with Cap One and woke up to an increase on my cl. I originally had a $500 cl and they increased it on their won without me requesting it to $750. Not much, but a start. I know they can be stingy with their increases, but I wanted to share the news.



Established Contributor
Posts: 568
Registered: ‎08-24-2012

Re: Cap One automatic CLI!

yay! Smiley Happy

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011

Re: Cap One automatic CLI!

I would say this is the standard credit step(s) CLI they give after the 5th statement. 

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: Cap One automatic CLI!

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Posts: 106
Registered: ‎11-08-2012

Re: Cap One automatic CLI!

[ Edited ]

beb86 wrote:

I would say this is the standard credit step(s) CLI they give after the 5th statement. 

yeap i received my first increase to 750. Then to 1,000 and eventually 1,500. Now I've been stuck here for years. But congratulations, nonetheless.


Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Cap One automatic CLI!

The credit steps program is great for newish credit card users! Positive rewards for good behavior always beats negative reenforcement. Way To go!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Cap One automatic CLI!


Valued Contributor
Posts: 1,381
Registered: ‎10-15-2011

Re: Cap One automatic CLI!

That is not a credit limit increase, that is their credit step program.  It ends after one step. 


You may never get another increase from that.  I got a credit step from $300 to $500 and I have never gotten anything since then!  I have gotten much higher limits from other banks and limit increases too from the others!  In fact, the Capone card I have is the lowest limit I have.  It was not until 3 days ago.  I had a Belks card I got 3 months ago which had a $200 limit and I have never used.  They seemed fit to give me a limit of $800 for never using their card.  (Yeah, I find that a bit amusing, but what the heck.)  Walmart started me off with $500 and after 3 months raised it to $1000 and I hardly use the card.  I don't think I have charged more than $225 to the card. 


Good luck

Yeah, back to a seedling because of United and Chase.... I swear, I am going to the garden right now.
Established Contributor
Posts: 669
Registered: ‎11-13-2012

Re: Cap One automatic CLI!

Yeah that's happened with all my capital ones so far...been stuck at 750 with all 3 for a while...feels like ill never get any higher. Anyone had success recently with automatic increases on cap one?
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Posts: 13,897
Registered: ‎04-15-2011

Re: Cap One automatic CLI!

+1 It's a credit step, but a CLI is good by any means!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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