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Surprise Unsolicited CLI from Cap One!

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Bluedog23
Regular Contributor

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 805 FICO, EQ Fico 762; TU. 768Discover)
Message 1 of 11
10 REPLIES 10
calihlove75
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 2 of 11
SpecFile
Valued Contributor

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.
Message 3 of 11
calihlove75
Established Contributor

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 Smiley Wink

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 4 of 11
TimeToRecover
Established Contributor

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 (701) EQ (711) TU (705)
Goal Score: 750
In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (7K) Cap One Quicksilver (10.5K) Chase Freedom (4K) Lowes (6K) VS Angel Card (2.4K), Macys (4K)
Message 5 of 11
Bluedog23
Regular Contributor

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 805 FICO, EQ Fico 762; TU. 768Discover)
Message 6 of 11
knoregs
Established Contributor

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: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 7 of 11
myjourney
Super Contributor

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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 11
Scupra
Super Contributor

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
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 9 of 11
SpecFile
Valued Contributor

Re: Surprise Unsolicited CLI from Cap One!

Very cool. Congrats!!
Message 10 of 11
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