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CAP1 Credit Steps

CAP1 Credit Steps

Got my first step today...I hope I am lucky and actually get a few more! My CL went from 500 to 750 and the 4th statement just cut today. 

Starting Scores (January 2010): TU: 501, EQ: 517, EX: ?

Current Scores: TU: 695 (3/4/11), EQ: 653 (4/17/11), EX: 658 (2/19/11 via US Bank pull for loan)

Goal: 700
Message 1 of 9
8 REPLIES
Valued Contributor

Re: CAP1 Credit Steps

Awesome! My 4th statment was cut on 11/17, but didnt get a increase yet. I think the credit steps letter said I will get one on my 5th statement. Not sure anymore, gotta check that for sure once I can.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 2 of 9

Re: CAP1 Credit Steps

That's what mine said...so I was surprised! 

Starting Scores (January 2010): TU: 501, EQ: 517, EX: ?

Current Scores: TU: 695 (3/4/11), EQ: 653 (4/17/11), EX: 658 (2/19/11 via US Bank pull for loan)

Goal: 700
Message 3 of 9
New Contributor

Re: CAP1 Credit Steps

I got my letter a few days ago and it said that by the 7th statement I should get the CLI from $500 to $750.  So I guess well wait and see what happens.

Last app 10/12
**no app'ing till 10/14 or more***
Message 4 of 9

Re: CAP1 Credit Steps

I called the backdoor number to see if there were other steps in the program. The Account Specialist said that my account would be reviewed periodically and that I would also be able to request CLI with a soft pull. His advice was to keep doing what I was doing because my account looked good. I utilize the card quite a bit and make sure to pay each month's balance in full through one or several payments. Also, he was surprised I got the CLI so early. He said it was not scheduled to happen yet and usually people get it a few weeks after the 5th statement. 

 

I am going to call next month after the statement cuts and attempt another CLI. I will update everyone with my results next month. 

Starting Scores (January 2010): TU: 501, EQ: 517, EX: ?

Current Scores: TU: 695 (3/4/11), EQ: 653 (4/17/11), EX: 658 (2/19/11 via US Bank pull for loan)

Goal: 700
Message 5 of 9
New Contributor

Re: CAP1 Credit Steps

Hi, I got my CLI with my 4th statement. I hope it keeps happening that waySmiley Happy

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!



Message 6 of 9
Regular Contributor

Re: CAP1 Credit Steps

Usually it is 4th statement. You need to be patient with Cap1

Message 7 of 9
Regular Contributor

Re: CAP1 Credit Steps

I got my Cap1 card about a year and a half ago and back then you could call the backdoor number and get someone with power over your account.  I got my card with a $500 limit which was increased to $750 due to the first credit step.  I called the back door number and asked for an increase to $1000 which she approved then I got the other credit step which brought me to $1500 which is where it is now.  From what I have experienced and learned from others, now when you call the backdoor number they put your request in a computer which spits out either a yes or no and there is no reversal of that decision.

Message 8 of 9
Highlighted
Frequent Contributor

Re: CAP1 Credit Steps

Got my letter today saying I'll get my next step on the 7th statement from $300 $to 500

CARDS.jpg

Message 9 of 9