Reply
Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Congrats. I guess CL approved for you as per credit steps program. May I know, when you opened this account? and what was the initial limit?

 

- Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Thank you all.  Yes, mine is a credit steps, but I wasn't so sure they would follow through with any bump considering all the denials of cli I have been seeing lately.  I got the card in the beginning of June, so this was my 5th statement cut (they cut the first one just one week after I got my card, then again at the end of June...it was weird).  Went from $1,000 to $1,500.

 

Funny thing is that I have an Orchard card that I have had for over a year now and figured that just maybe since Cap 1 had taken over they would consider giving me a little bump on that card, so I called a couple of months ago - no way, no how.  Another reason I was not so sure of any increase on this card.  There really is no rhyme or reason over at good old Cap 1.  Maybe you are correct...the end is near!  lol


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Frequent Contributor
MarcinXP
Posts: 306
Registered: ‎09-06-2011
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Oh..a credit steps CLI....ok...false alarm...move on...nothing to see here....

NFCU Visa Sig $25k / Fidelity Amex $12.5k / Chase Freedom Visa $7.5k / BOA - BBR MC $7.5k / Chase Sapphire Preferred $7k / Best Buy Platinum MC $3K / Barclay Rewards MC $2k / Chase Amazon Visa $1k / Discover IT $1K / GE Lowes and GE Walmart $5k / GE Amazon $2450 / Target RedCard - $300 / NO CAPONE IN MY WALLET ANYMORE!
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**


MarcinXP wrote:

Oh..a credit steps CLI....ok...false alarm...move on...nothing to see here....


A cli is a cli...credit steps or not.  I will take it any way that I can get it.


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Frequent Contributor
MarcinXP
Posts: 306
Registered: ‎09-06-2011
0

Re: Cap 1 Auto CLI **happy happy joy joy**


AZHeather wrote:

MarcinXP wrote:

Oh..a credit steps CLI....ok...false alarm...move on...nothing to see here....


A cli is a cli...credit steps or not.  I will take it any way that I can get it.


I understand that and congrats to you. not trying to diminish your accomplishment, however Cap 1 Auto CLI is most likely going to be a hot viewed topic as we all want to know what happened and how someone got Auto CLI....but to find out its credit steps is dissapointing as everyone pretty much gets 1 credit step after 6 months of having a card and then nothing for rest of your life with Capital One.

It's kinda like seeing a forum post that says...I use to sleep with Scarlett Johansson and you open up the post to read up on this lucky dude and you find out the post was made by Ryan Reynolds...like I said..congrats...but we've all been there...while I'm happy for you...I was expecting some news about CAp1 finally doing Auto CLIs not related to credit steps.

NFCU Visa Sig $25k / Fidelity Amex $12.5k / Chase Freedom Visa $7.5k / BOA - BBR MC $7.5k / Chase Sapphire Preferred $7k / Best Buy Platinum MC $3K / Barclay Rewards MC $2k / Chase Amazon Visa $1k / Discover IT $1K / GE Lowes and GE Walmart $5k / GE Amazon $2450 / Target RedCard - $300 / NO CAPONE IN MY WALLET ANYMORE!
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Thank you.

 

I do see where you are coming from, but my main point was that given all of the denials that Cap 1 has been giving and all the reports of people saying that the response to cli requests were that they are currently reviewing their cli policies, I was not holding my breath that even with the credit steps program that I would get an increase.  In essence that they would stop the auto cli, drop the program (without even telling us - it is Cap 1 we are talking about here), or change it to make it more difficult to get a cli or take longer.


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Regular Contributor
Sassy_Taurus
Posts: 105
Registered: ‎03-24-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Congrats!!! I guess Cap 1 is feeling a bit generous. I just received an auto CLI today also.

Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Thanks Sassy.  Congrats to you too!


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**

Congrats!

Cap1 only gave me one bump in two years of only $250...

Hopefully they're changing

My ultimate credit wish,
a JP Morgan Palladium card
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Cap 1 Auto CLI **happy happy joy joy**


AZHeather wrote:

Just opened my statement from Cap 1 and my cli got a random $500 bump.  Woo Hoo!  Didn't expect that considering all the posts I have been seeing about their "we are not issuing limit increases due to reviews" (or something like that), and the problems a lot have been having through the backdoor and exec office requests.  That actually just soothed my app itch a little.  :smileyvery-happy:


That's awesome. I want to see how much they would auto CLI on my cash rewards after 6 months.

 

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%

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}