Credit Cards

[westo12]

So if I apply online and get pre approved for a card and it has an AF, then it's a credit steps card?

[maiden_girl]

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westo12 wrote:

So if I apply online and get pre approved for a card and it has an AF, then it's a credit steps card?

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Mainly all of CapOne's "Average" credit cards are credit step cards. Only the one's that say "Excellent" are not and receive high CLIs.

[LS2982]

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westo12 wrote:

So if I apply online and get pre approved for a card and it has an AF, then it's a credit steps card?

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I'm not sure thats totally true. If you apply for an excellent credit product from their website it should tell you when you apply if there is an AF.

[isoldmyatlas]

Thanks for the info, everyone! And yeah, I know I won't get another CLI any time soon, if ever, but as long as the card has no annual fee I'll keep it open since it has no FTF, which will come in handy for me!

[LS2982]

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isoldmyatlas wrote:

Thanks for the info, everyone! And yeah, I know I won't get another CLI any time soon, if ever, but as long as the card has no annual fee I'll keep it open since it has no FTF, which will come in handy for me!

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If you hold the card for at least over a year and your credit has improved you can try the Exec. number floating around and hopefully they can take care of you!!

[septembrie6]

capital one credit steps programs ($500 => $750) does not mean you will not see another increase;

as per my conversation with a few capital one representatives, i am not able to request a credit increase on my card, since my capital one newcomers card is not currently eligible for a credit line increase upon request.

however, there is no ceiling attached to my card, so there is a slight chance or at least hope to see a small increase in the future.

[espnjunkie]

I have the newcomers card as well. Basically I could care less about ever seeing a CLI from them again now. "We periodically review your account...blah blah blah" I have faced facts that these cards are not designed to grow with you over time. They are great for starting out though.