11-26-2010 08:01 AM
I've had my Capital One card since July 2004, with a $500 CL. Had a bad first couple of years (occasional lates and over the credit limits), but have been an angel for the last 3 years or so. I use the card regularly, spend $100-$300, then PIF every month. Have requested CLIs on more than one occasion, and was rejected each time. Today, I log in to check on some things and BAM - a $2500 credit limit! I'm still staring at the screen...is this real?! I haven't gotten a letter or anything from them yet, but this must have just happened (I logged in to PIF just a couple of days ago and it was still $500).
I'm seriously shocked. After 3 years of carrying 0 balances on 3 cards with no CLIs (all limits are $500 or less), I thought I would have to get a high secured card to get my limits bumped up. PATIENCE and perseverence pay off!!
Happy Thanksgiving, everyone!!! I'm thankful for my 1 month old Zync and my new $2500 Cap1 limit.
11-26-2010 08:06 AM
Congrats on the CLI! You have just experienced one of my goals for my Cap One card. I aspire to log into my account my one day and see an auto CLI, luckily I sort of experience it through other people's triumphs like yourself. Felicidades
11-26-2010 08:15 AM
That's a great increase!!
11-26-2010 10:05 AM
I am wanting to see if I can upgrade to No Hassle Cash Rewards, hopefully get a CLI and lower interest....
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.