11-27-2010 09:47 AM
11-27-2010 11:48 AM
I had steps in my CapOne, every 3 months if I showed good faith. I would get a $500 CLI on the 4th statement. It went from $500->$1,000->$1,500, but also the interest rate went up recently for some unknown recent. I have two years of perfect payments with them and have not seen a CLI in about a year.
I do know it said when step would CLI in my papers that came with the card, do you still have your papers?
11-27-2010 12:35 PM
I have a CAP1 card also and after 6 months of just paying on time with about 20% usage every month they gave me a 500 CLI so i think its just a matter of time with them. I also called the backdoor since its easier to request it there then talking to just a regular rep that declines you and doesn't tell you why...
Im also curious about the credit steps that they have, is that something you have to ask for? and how does it work?
11-29-2010 09:45 AM
I am in the credit steps program when i opened the account i got a letter two weeks later saying if i pay on time i will get a CLI in 4 months i started out with 500.00 back in april 2010 i got a CLI in augus 2010t for 250.00 to bring it to 750.0 and just got another cli for 1000.00 now in november to bring it up to 1750.00! if your in the credit step program dont go over your limit or miss a payment charge like 100-200 a month and you should get a lot of cli in a short time like i have
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.