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@growing123 wrote:
@godscountry wrote:CapOne is no help in answering my questions...but anyway. I have a QSOne that will be coming up on 6 mo soon. It was $500 limit through Credit Steps. My credit has changed dramatically in the past 6 months as I have had all baddies to drop off. CapOne wouldnt answer my question when I asked if I am limited to $250 increase through credit steps. Honestly, that wont do me a bit of good as I will be going on app spree soon and will get better limits...also, I have followed the credit steps and used card heavily in addition to PIF. They say once you get your CLI you arent eligible for another for 6 months. Who here has had success getting a higher CLI than the pre-qual through the credit steps?
I started with a cap1 platinum credit steps in Oct 2013 with $300. Six months later in Apr 2014, I log on to find my limit was $4300!! Just about fell out of my chair! lol It was only supposed to increase to $750, so that shows it's possible. The next day I asked to PC to the QS and they did.
I can see them doing something more for you than the $750 since you said your CR has improved so much. Good luck!
You got slipped through the crack......it is a computer we are dealing with after all, wouldnt u agree?
Congrats btw.
Update:
I am in the credit steps...but my account is actually not 6 months old yet. I opened it on Jan 2nd....but here is what I did. About a month ago or before the last statement I changed my due date from the 12th to the 16th. So the rep told me I wasnt going to receive my 7th statement til July 15th (my original statement date). I was going to request a CLI then (if I didnt request one on July 2nd...the 6th month anniversary)
This is still my 6th statement but I guess somehow by changing it....it affected my account. Anyway.....
I logged in to my account today and limit on my QS1 was upped by $1000 for a total of $1500!!!
Still going to request another CLI on July 19th being that this was an auto-CLI and it was before my 6 mo anniversary!
Thank you for this thread. Very helpful.
I just inquired about credit steps, because I wanted to know if I was even eligible for it and I was advised that it is by invitation only.
None the less, I was also advised that my account information would be reviewed at 6 months and that if I continue to use the card as I have been, I should be eligible for a $100 to $300 increase (without asking for it) somewhere between my 7th and 9th statement.
Bearing in mind this IS the secured 49/200 card and I have increased the balance a little bit with additional deposits. I started very small because I am terrified of burning HPs. I suppose that makes me an underachiever, but at one point a couple of years ago my own bank refused to give me a secured card, so I am a little snakebit about apps in the first place. It took me 2 years after that to get up the nerve to apply for the CAP ONE secured card.
If CAP ONE gives me an unrequested CLI that will go a long ways toward building my confidence in this rebuilding process.
So, godscountry, do you think there is something about changing the due date that affected the CLI? I have my 5th statement now, dated 6/20. Do you think I should change the due date?
godscountry wrote:
Update:
I am in the credit steps...but my account is actually not 6 months old yet. I opened it on Jan 2nd....but here is what I did. About a month ago or before the last statement I changed my due date from the 12th to the 16th. So the rep told me I wasnt going to receive my 7th statement til July 15th (my original statement date). I was going to request a CLI then (if I didnt request one on July 2nd...the 6th month anniversary)
This is still my 6th statement but I guess somehow by changing it....it affected my account. Anyway.....
I logged in to my account today and limit on my QS1 was upped by $1000 for a total of $1500!!!
Still going to request another CLI on July 19th being that this was an auto-CLI and it was before my 6 mo anniversary!
@aquastell wrote:So, godscountry, do you think there is something about changing the due date that affected the CLI? I have my 5th statement now, dated 6/20. Do you think I should change the due date?
@godscountry wrote:
Update:
I am in the credit steps...but my account is actually not 6 months old yet. I opened it on Jan 2nd....but here is what I did. About a month ago or before the last statement I changed my due date from the 12th to the 16th. So the rep told me I wasnt going to receive my 7th statement til July 15th (my original statement date). I was going to request a CLI then (if I didnt request one on July 2nd...the 6th month anniversary)
This is still my 6th statement but I guess somehow by changing it....it affected my account. Anyway.....
I logged in to my account today and limit on my QS1 was upped by $1000 for a total of $1500!!!
Still going to request another CLI on July 19th being that this was an auto-CLI and it was before my 6 mo anniversary!
well, when I asked for a CLI 3 times and each time they sent me a letter saying the account was not 6 months old. then rep told me my auto CLI wouldnt be until my Aug statement. I think changing the due date did affect it honestly. If you change your due date it may happen for you. They say it takes the new due date 2 cycles. Really, I only had one statement then I was waiting for my 2nd statement to generate on the 11th and it didnt. When it did on the 16th...I got the increase so I would say try it!
I sure hope these patterns continue ! I PIF my $300 two/almost three times a cycle, every cycle sice I had it. I'd be estatic for $1000 or something where I could take full advantage of my cash back.