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The chat rep was useless as usual. He just said they'd periodically check my credit worthiness and would provide CLI as they see fit. I asked if there was one available for me at this time and he continued to repeat that line. He then proceeded to tell me that there is a CLI done at 6 months of ownership on the card...I've had it nearly 4 years...why would they bother telling me this? I asked for a CLI through their system and got a 2-3 day message? Not sure but I have a feeling it's a denial. Lets see.
I received the same letter about CLI and future deposits. I have asked for a CLI in the past after receiving one that took me to $500. I asked for another about a month ago. I received a letter stating that I was not eligible at this time. I ended up applying for another Capital One (unsecured) card and was approved. I don't know that I'll close this secured card yet, but I'm not going to be using it.
I've had the Capital One Secured Card for 9 mos now the limit was 300 to start and is 1300 now. Since starting with Cap One Secured, I've added the Cap 1 QuickSilver started at $500>1500 now and the Cap One Plat 500>1500 being upgraded to Quick Silver as of tonight.
Ive also added NFCU - 2900
HSN 3000, WE Financial 500
And a few other store cards, Im not sure how long Ill keep the secured but I know it was the starting point for jump starting my credit history.
Start 11/15 - TU 560 EX 600 EQ 535
Current - TU 599 EX 648 EQ 575
Goal 650 across the board 7/2016