Reply
Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Cap 1 ? Did that just happen


HSNCLOSER wrote:

AZHeather wrote:

Was this a former Orchard card or was it always a Cap 1?  I have both a $300 former Orchard and a $1,000 Cap 1.  Both in are in the steps program.  I would be in seventh heaven if they upped one or both.  Fingers crossed!!

 

Congrats!! :smileywink:


No. My orchard still sits at $300. This was the Platinum Cap One, I think $19 AF or something.


Hmmmm...that is what my Cap 1 is, but it started with $1k.  Wonder if that will still get some love soon.

Frequent Contributor
Posts: 286
Registered: ‎06-19-2008
0

Re: Cap 1 ? Did that just happen

How do you know if you are in the step program? I just opened a cc this month with a limit of 7.5k
-------------------------------------------------------------------------------------------------

Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

Navy Federal nRewards $500 cl
Capitol One Platinum (AU) $7500 cl
USAA Amex $250
Kay Jewelers $900
Valued Member
Posts: 109
Registered: ‎05-11-2012
0

Re: Cap 1 ? Did that just happen

No, Orchard has no steps program. This was my first card, and today my 6th statement showed up along with the CLI, and I'm suppose to get another $200 next month once my statement pops up.
Revelate wrote:

AZHeather wrote:

Was this a former Orchard card or was it always a Cap 1?  I have both a $300 former Orchard and a $1,000 Cap 1.  Both in are in the steps program.  I would be in seventh heaven if they upped one or both.  Fingers crossed!!

 

Congrats!! :smileywink:


You're in credit steps program with an Orchard card?  Did you receive some sort of notification on that or was it something you requested or?

 

OP: congrats man, that may be one of the largest C1 CLI's ever!

 

 


 


Starting Score: 515 April 2011
Current Score: (AMEX Credit Secure) EX 627 EQ 627 TU 627
7/19/2012
Goal Score: 700+


Take the FICO Fitness Challenge
Valued Member
Posts: 109
Registered: ‎05-11-2012
0

Re: Cap 1 ? Did that just happen

They sent me a letter first week of having a card
shalane85 wrote:
How do you know if you are in the step program? I just opened a cc this month with a limit of 7.5k

Starting Score: 515 April 2011
Current Score: (AMEX Credit Secure) EX 627 EQ 627 TU 627
7/19/2012
Goal Score: 700+


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Cap 1 ? Did that just happen


Revelate wrote:

AZHeather wrote:

Was this a former Orchard card or was it always a Cap 1?  I have both a $300 former Orchard and a $1,000 Cap 1.  Both in are in the steps program.  I would be in seventh heaven if they upped one or both.  Fingers crossed!!

 

Congrats!! :smileywink:


You're in credit steps program with an Orchard card?  Did you receive some sort of notification on that or was it something you requested or?

 

OP: congrats man, that may be one of the largest C1 CLI's ever!

 

 


When I got the email notifying me that my Orchard card was converting to Cap 1 I called them to see if I would be keeping both of my cards or if I would lose one.  I was told that I would be able to keep both, but since my Cap 1 card was a Credit Steps card my Orchard card would also fall into that program.  Have no idea if that is true or not though.

Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Cap 1 ? Did that just happen


shalane85 wrote:
How do you know if you are in the step program? I just opened a cc this month with a limit of 7.5k

You should get something in the mail within the first 30 days, but if you are not sure you can call and ask them.  With that limit I wouldn't think so, but it is Cap 1, so who knows! :smileyvery-happy:

Super Contributor
Posts: 5,105
Registered: ‎12-11-2011
0

Re: Cap 1 ? Did that just happen

I'm just hoping this little "review" of their policy finishes up by the time I'm eligible for CLIs :smileyvery-happy: 

;
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: Cap 1 ? Did that just happen

HSNCloser, what balance do you normally report when the statement cuts? Also, Did you leave a revolving balance or did you PIF before the due date?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Super Contributor
Posts: 5,105
Registered: ‎12-11-2011
0

Re: Cap 1 ? Did that just happen


shalane85 wrote:
How do you know if you are in the step program? I just opened a cc this month with a limit of 7.5k

that sounds like one of their prime card, I don't think you would be in the credit step program. 

 

They treat you guys differently. 

;
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Cap 1 ? Did that just happen

Congrats

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.