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For those of you with Cap1 credit steps...

Established Contributor

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

So if I apply online and get pre approved for a card and it has an AF, then it's a 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 11 of 17
Valued Contributor

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


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?


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.

 

As of 2017, rebuilding...
Message 12 of 17
Mega Contributor

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


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?


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.

 




EQ FICO 548 3/3/16
Message 13 of 17
Frequent Contributor

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

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!

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 14 of 17
Mega Contributor

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


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!


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!!

 




EQ FICO 548 3/3/16
Message 15 of 17
New Member

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

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.

Message 16 of 17
Established Contributor

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

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.

“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 17 of 17