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Bluedog23
Posts: 99
Registered: ‎02-02-2013
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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 781; EQ Fico 762; TU. 762 Discover)

Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
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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 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
SpecFile
Posts: 1,375
Registered: ‎08-07-2007
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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.
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
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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 :smileywink:

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
TimeToRecover
Posts: 658
Registered: ‎03-21-2013
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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 (694) 10/2/2014, EQ (686) 10/2/2014, TU (684) 10/2/2014 (ALL MORTGAGE PULLS)
Goal Score: 750
In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (5K) Cap One Quicksilver (4.5K) Chase Freedom (4K) Lowes (2.8K) VS Angel Card (1300)
Contributor
Bluedog23
Posts: 99
Registered: ‎02-02-2013
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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 781; EQ Fico 762; TU. 762 Discover)

Established Contributor
knoregs
Posts: 574
Registered: ‎06-04-2012
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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
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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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 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
Scupra
Posts: 1,696
Registered: ‎07-12-2012
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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
687 EQ FICO 12/2014
680 TU FICO 12/2014
673 EX FICO 12/2014
$14k NFCU Platinum - $25k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival WEMC - $5k Cap1 Quicksilver - $2.2k Amazon Store - $10k Cap1 VentureOne
Valued Contributor
SpecFile
Posts: 1,375
Registered: ‎08-07-2007
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Re: Surprise Unsolicited CLI from Cap One!

Very cool. Congrats!!

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