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Regular Contributor
Posts: 201
Registered: ‎12-04-2011
0

Just got Cap 1 NH Cash card in mail. CLI increase?

I got my $500 CL card in the mail today. Has anyone had luck with calling and seeking a higher credit limit before you activate the card?


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Just got Cap 1 NH Cash card in mail. CLI increase?


Tryon2improve wrote:
I got my $500 CL card in the mail today. Has anyone had luck with calling and seeking a higher credit limit before you activate the card?

Very rare you get CLI from Cap1. You may want to check and see if its enrolled in credit steps (auto CLI on 5th or 7th statement cut)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 961
Registered: ‎12-21-2010
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Re: Just got Cap 1 NH Cash card in mail. CLI increase?

Nope give up now 750 will be your next and last step.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?

This might be a good card to build on and run your normal bills through every month and PIF to get the rewards. That is what I do and I have the same card. Had it for 5 months and have $40 in rewards already paid the AF for the year!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?

Have this same card as well. Make sure it's enrolled in credit steps. Most likely it will peak at 750CL. Keep it for 6-12 months and then move on to a better card (Chase, Discover, Barclay's, BoA, Amex, CU, etc).

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Contributor
Posts: 118
Registered: ‎12-01-2010
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?

I agree!! There is NO way you are getting a CLI at opening.  Use the card for 12 months and then apply to citi bank or BoA


Discover More- $4000 Lake Michigan C.U. $4500-6.9%
Amex blue cash-$1000 Amex Delta -$5000 Cap One $6500
Amex Starwood-$2000 Amex Costco-$1200
Chase Freedom$3000 Chase Sapphire Preferred-$5000
BoA- Spirit WORLD MC-$ 5000 BoA-power rewards $2500
PayPal Extras MC $1500
Ex:655,EQ:674,TU:647- (all FICO)Low due to 60% Utilization
Regular Contributor
Posts: 201
Registered: ‎12-04-2011
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?

Thank you all for the info. How do I find out I am in credit steps? Do I have to call?


Established Contributor
Posts: 541
Registered: ‎12-02-2011
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?


Smug wrote:
Nope give up now 750 will be your next and last step.

LOL Smiley Very Happy

 

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Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

Re: Just got Cap 1 NH Cash card in mail. CLI increase?

You are probably automatically enrolled but give them a call to be sure. MyFico has cc contacts in one of the sticked threads. Cash Back is a rebuilder card but it can be the gateway to prime cards with high CL's if used correctly.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



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