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You will get $500 when your credit steps auto CLI kicks in. Bringing your total CL to $1100
creditreformer wrote:I know Cap 1's gotten mixed reviews here, so I thought I'd share my experience. I have a cap 1 rewards cc w/a whopping 300 CL opened in 4/08. I tried a CLI @ activation and got a polite but firm 'no.' I got the credit steps letter saying I'd get a 200 auto CLI AFTER my 3rd statement cuts. I'd read about people 'doubling up' on CLI by calling Cap 1 before or just after their 3rd statement cuts, but I figured I'd push my luck. My 2nd statement just cut 2 wks ago and I've been running 2-3x my CLI through Cap 1 each mo. trying to show them some loving.Today's call (backdoor # ending in 9939) took just a few minutes. I started off w/'love you guys- want to use you more, but can't b/c of the low cl.' Rep started off w/'cap 1 loves you, it's a rewards card, blah blah.' I thought 'oh great, I'm going to get the we're so fab, we love your $, but no CLI for you' rejection. Then she said 'let me refresh your acct.' She asked how much I thought I needed, so I shot for the moon and said 'oh, 1k or so' LOL which is true b/c I travel A LOT and these 3 digit CLs aren't useful to me. I thought she'd LOL @ my chutzpah for asking for 1K total CLi, but she didn't and said she could give me 300 CLI today and will send me a form to ask for more b/c I said I travel a lot and I really need a bigger CLI. She said that form will NOT be a hard pull and that cap 1 ONLY does a hard pull when you apply.So yay, my 300 cap 1 is now a 600 CL. I wonder if I'll still get the 200 'credit step' after my 3rd statement hits. I was going to ask but didn't want to jinx it, so I'm hoping it will 'double up' and I'll be up to 800 next mo. Not bad, esp. as I burned cap 1 2x when younger and dumber.