Capital One CLI for Secured Cards

[Anonymous]

Does Capital One give CLI if you have the Secured Card?

[Datx]

Yes, usually on or after the 6th statement. Not sure if they do another one at the 1 year mark, but there are some on this board (including me) that will know very soon.

[Anonymous]

i'm guessing they will give you one and keep you there. thats why i recommend everyone to get secured card with someone who isnt so stingy.

[LS2982]

Not sure why people think Cap 1 does CLI for secured cards, I called and asked about it they do not do it you have to make deposits.

[Ortz33__]

ive gotten a 300 cli on a secured... 

[Datx]

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@LS2982 wrote:

Not sure why people think Cap 1 does CLI for secured cards, I called and asked about it they do not do it you have to make deposits.

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One reason being is because its stated on their website. HERE is the link for Cap One's secured card and if you look to the left, there is a statement regarding CLIs basked on your payment and credit history. I have gotten a $100 CLI at my 6 month mark, probably due to my low deposit of $300. I'm waiting to see if there are any CLIs at the 12 month mark, but it doesn't look too promising. Thinking of paying the low AF for another year before I cut it loose.

[JayRizzo]

Good idea to post the link, M.C.S. 

Thanks!

[Wolf3]

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@Anonymous wrote:

i'm guessing they will give you one and keep you there. thats why i recommend everyone to get secured card with someone who isnt so stingy.

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Who else adds unsecured CL to the secured cards?   Who do you recomend who is not so stingy?

[LS2982]

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@MyCreditStinks wrote:

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@LS2982 wrote:

Not sure why people think Cap 1 does CLI for secured cards, I called and asked about it they do not do it you have to make deposits.

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One reason being is because its stated on their website. HERE is the link for Cap One's secured card and if you look to the left, there is a statement regarding CLIs basked on your payment and credit history. I have gotten a $100 CLI at my 6 month mark, probably due to my low deposit of $300. I'm waiting to see if there are any CLIs at the 12 month mark, but it doesn't look too promising. Thinking of paying the low AF for another year before I cut it loose.

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That just proves there phone reps are boneheads.

[trubliever82]

When my credit was bad, I would put $50-$100 here and there on it and before I knew it, I was getting a bump in my scores for it. Started a $200 and got my card up to $2450 cl right now and about to hit 6 month mark. I ran into some money and threw it one there for the heck of it.  I know not everyone has expendable income to do it, but IMO its a lot better than waiting for them. Plus if I'm ever in a jam I can close the card and get all that back. I'm curious to see my CLI after next month though.