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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Cap 1 - Product Change


jsucool76 wrote:

Cap1s "average" cards (from what I've read) cap at a $3000 initial limit, and at $3500 (after the credit steps CLI), but it might still be a "builder" card since that was all through CLIs, however, you're pretty much in prime-land with cap1. They tend to look more favorably upon people with higher CLs from what I've read. How did you get so many CLIs if you don't mind me asking. 


This is different than the sub-prime Cap One, which is usually in the "steps" program with CLs starting around $300 to $500 and an increase to around $500 to $750 (maybe from $750 to $1000, max). These cards cannot be PC'd to a "regular" Cap One card. The sub-prime and steps cards usually will not get a CLI beyond the step program, except in the rarest of situations.

 

 

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

If they do give me a Signuture card NPSL doesn't that take away from no TOTAL credit line ? Ill be loosing 6.5K of limit right ?

and does that make my card like charge card needs to be paid in full  ?

 

 

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

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Current Score: 742
Goal Score: 800


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Valued Contributor
RockinRay
Posts: 1,944
Registered: ‎08-13-2007
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Re: Cap 1 - Product Change


DeadSpider wrote:

If they do give me a Signuture card NPSL doesn't that take away from no TOTAL credit line ? Ill be loosing 6.5K of limit right ?

and does that make my card like charge card needs to be paid in full  ?

 

 


No - my card reports the credit limit.

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
jsucool76
Posts: 2,905
Registered: ‎12-11-2011
0

Re: Cap 1 - Product Change

@bichonmom
Thats upsetting, my card is in the credit steps program. I was hoping i was different since they gave me such a high starting limit :-(
Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 3500CL, Chase Slate: 1000CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG, Citi DoubleCash: 1200CL
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

Called Cap1 and after asking for upgrade was transferred to USA REP in Virginia WOW and got myself new VISA Signature card Cash Reward :smileyhappy:

I'll have the card 7-10 woohoo

 

I was also eligible for venture One and Venture as well.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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Valued Contributor
jsucool76
Posts: 2,905
Registered: ‎12-11-2011
0

Re: Cap 1 - Product Change


DeadSpider wrote:

Called Cap1 and after asking for upgrade was transferred to USA REP in Virginia WOW and got myself new VISA Signature card Cash Reward :smileyhappy:

I'll have the card 7-10 woohoo

 

I was also eligible for venture One and Venture as well.


Congratulations. I'm a little jealous :smileyvery-happy: 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 3500CL, Chase Slate: 1000CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG, Citi DoubleCash: 1200CL
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Cap 1 - Product Change


DeadSpider wrote:

Called Cap1 and after asking for upgrade was transferred to USA REP in Virginia WOW and got myself new VISA Signature card Cash Reward :smileyhappy:

I'll have the card 7-10 woohoo

 

I was also eligible for venture One and Venture as well.


Wow, that's fantastic! Congrats! :smileyvery-happy:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Contributor
ssghandless
Posts: 101
Registered: ‎07-30-2010
0

Re: Cap 1 - Product Change

Could you PM the backdoor number you used? 



4/5/12 TU-635 Ex-634 Eq-646 (Kroll Fact. Home loan)
9/8/10 TU-654 Ex-627 Eq-638
8/1/10 TU-629 Ex-627 Eq-638


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Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

I just called the number back of my card.

Still waiting for card maybe today.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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