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For those of you with Cap1 credit steps...

Frequent Contributor

For those of you with Cap1 credit steps...

My 5th statement with my Cap1 Newcomers Card just cut yesterday, and I paid the balance today.  I'm part of the credit step program that increases my available CL from $500 to $750 after the 5th statement cuts.  The original letter I received said my CL should reflect the bump "by your 7th statement."

 

For those of you in the credit step program with them, did it really take a full 2 months for your available CL to reflect on your account?  Seems like a long time for something that should be easy to change in the system! Smiley Wink

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 1 of 17
16 REPLIES
Established Contributor

Re: For those of you with Cap1 credit steps...

I received the same letter when I opened the card. My limit went up with my 6th statement and was available immediately



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 2 of 17
Valued Contributor

Re: For those of you with Cap1 credit steps...

That was your final CLI. LMAO CapOne is evil. Once I got that letter...I haven't received another increase.

As of 2017, rebuilding...
Message 3 of 17
Frequent Contributor

Re: For those of you with Cap1 credit steps...

I know that Smiley Wink I just want to know when it will happen!

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 4 of 17
Established Contributor

Re: For those of you with Cap1 credit steps...

I agree, but it served the purpose as a Newcomer to the US. Since Saturday I have a ZYNC in my wallet and once Alliant will give me a CLI (I know hardpull), CapOne will be gone.



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 5 of 17
Frequent Contributor

Re: For those of you with Cap1 credit steps...

To concur with what's already been stated, the 6th statement for me on both of my credit step cards had the credit limit increase.

BofA Cash Rewards Visa Sig $18,700 /Citi Double Cash $16,600 / Barclaycard Rewards $8,900 / CapOne Platinum $7,450 / BofA BankAmericard Visa $6,500 / Discover It $5,300 / Chase Freedom $1,500 / Lowe's $20,000 / JCP MC $6,500
Message 6 of 17
Established Contributor

Re: For those of you with Cap1 credit steps...

Congrats on the CLI. It will be the last one you ever see with that card.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 7 of 17
Established Contributor

Re: For those of you with Cap1 credit steps...

How do you get a Cap1 Credit Steps card?

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 8 of 17
Valued Contributor

Re: For those of you with Cap1 credit steps...

Any cap one card with an annual fee is most assuredly in the steps program.

Message 9 of 17
Valued Contributor

Re: For those of you with Cap1 credit steps...

not always true, after two years with two cards in the steps program i recently called the executive office.  both of my limits were increased to 2k, from 500 and 750

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 10 of 17