Capital One Steps Program

[Broke_Triathlete]

I've read stories on here that people have had significant steps CLI's by spending a ton and paying off a few times a month, and that's what I've been doing. I've had my cards for 3 weeks now and ran so far $4K through them and currently have a $50 balance on the rewards card. In fact I still haven't received my first statement for either card as of today.

So today I receive an email from Cap 1 explaining the CLI through the steps and that my cards will go from $3K to $3.5K through the steps. Are you guys finding that is all you're getting? I'd ideally like to be up in the $4.5-$5K after the increase so then in the next 6 months I could PC to their better cards.

So I guess what I'm asking is this:

1) What was your starting limit?

2) What was your spending habits per month on the card(s)?

3) What was your steps increase?

4) If it was unsatisfactory for you, did you have a successful EO recon?

[JayDay]

Starting limit $1000. 

6 month CLI to $4000.

called EO at one yr mark to ask for more and approved for $6000 w/ no HP. Contacted through FB.

spending habits were around $1k per month with occasional large purchase.

[Broke_Triathlete]

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@JayDay wrote:

Starting limit $1000. 

6 month CLI to $4000.

called EO at one yr mark to ask for more and approved for $6000 w/ no HP. Contacted through FB.

spending habits were around $1k per month with occasional large purchase.

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 Thank you for your post! I was hoping to see that. Any others? Has anyone spent a bunch of money on the card and they marginally increased it?

[RCFL]

I am currently on credit step too. It'll kick in by the end of this month. I start at 3k too and so far, I've made about 7k in payments. I am hoping for a big increase - hopefully they'll match it with my Venture limit of 10k. I'll let you know once the credit step CLI kicks in.

[Broke_Triathlete]

Yes please let me know!! I hope you get a hefty increase! I'm hoping to PC eventually to a Signature Visa and/or Venture!

[Closingracer99]

You only get half of what your CL is so if your CL is $3,000 you will get a $1,500 CLI

I have a $500 CL so my CLI will be $250 increase in Feb 15 for me with my QS 

[Broke_Triathlete]

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@Closingracer99 wrote:

You only get half of what your CL is so if your CL is $3,000 you will get a $1,500 CLI

I have a $500 CL so my CLI will be $250 increase in Feb 15 for me with my QS 

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I've heard that also happens. However the gentleman above got 4 times his SL in the steps program, from $1K to $4K. So I'm trying to see what is going on or how I can maximize my CLI in 6 months!

[Closingracer99]

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@Broke_Triathlete wrote:

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@Closingracer99 wrote:

You only get half of what your CL is so if your CL is $3,000 you will get a $1,500 CLI

I have a $500 CL so my CLI will be $250 increase in Feb 15 for me with my QS 

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I've heard that also happens. However the gentleman above got 4 times his SL in the steps program, from $1K to $4K. So I'm trying to see what is going on or how I can maximize my CLI in 6 months!

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Already gotten an Email stating my CL will be $750 ... 

[Broke_Triathlete]

Well I'm hoping that the email I got is suggesting that I'm only getting a $500 increase. That'd only be 16.5% increase.

[Anonymous]

I dont think everyone only gets half. I received an email telling me that my increase would be $200 by February 2015. Didn't realize they announced your new credit line prior to the 5th statement mark but thats what I got and its $50 above half of my current limit. Honestly I'm hoping the amount is still negotiable based on my usage between now and then. Any increase is nice but $750 - $1000 would definitely be better