Request CLI on MC QS1?

[NJ_Patriot]

So I've cleared my third month statement with this card. My SL was for $500. I have used the card frequently every month and have paid on time, every single month thus far. Currently have a $300 balance but will be paying about $285 of that before end of next week.

My question is, since I'm the credit steps program and I've gone past the third month with good activity and responsibility, should I hit the love button yet? Or should I just wait for the auto CLI after my 5th statement?

From my conversation with a chat rep, they said I'm prequalified for a $750 credit line after my 5th statement through the Credit Steps Program.

Thoughts?

[fltireguy]

Give it a try. You have nothing to lose, it's a SP..

Many people have had success after the 3rd statement, and, you will still gete your regular steps increase on top of it, if they give you a CLI

[NJ_Patriot]

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@fltireguy wrote:

Give it a try. You have nothing to lose, it's a SP..

Many people have had success after the 3rd statement, and, you will still gete your regular steps increase on top of it, if they give you a CLI

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That's a good point. I'll give a shot here then and see what comes up! I just figured that my balance should be at it's lowest before trying or maybe even waiting more time if needed. Given that it's a soft pull, it won't hurt anything

[NJ_Patriot]

Welp, I got a approved lol but only for $100 increase. So new CL is $600

[Anonymous]

That's $100 more than you had available yestersay! Congrats, even though it is a small CLI.

But, on a percentage basis, 20% isnt that horrible

[NJ_Patriot]

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@Anonymous wrote:

That's $100 more than you had available yestersay! Congrats, even though it is a small CLI.

But, on a percentage basis, 20% isnt that horrible

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Good Point! I'm happy either way cause it was approved lol So I'm smiling ear to ear

[Anonymous]

Congrats on your increase! As mentioned you'll still get Credit Steps.

My QS1 was similar: started at $500, I was told I'd get a $250 increase at month 5, I requested a CLI and got $100 at month 3. However, when Credit Steps rolled around they gave me $500 instead of $250 so it's entirely possible Credit Steps may give you more than what they say they will. best of luck with the card and enjoy it!

[NJ_Patriot]

That's good to hear! I hope I have the same outcome then! I've really been enjoying the card for sure!

[Anonymous]

I recently received a cli on my QS1 and should be getting steps this month in October. So you only get steps when the statement cuts?

[CrankyDave]

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@NJ_Patriot wrote:

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@Anonymous wrote:

That's $100 more than you had available yestersay! Congrats, even though it is a small CLI.

But, on a percentage basis, 20% isnt that horrible

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Good Point! I'm happy either way cause it was approved lol So I'm smiling ear to ear

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I also started with a low-limit "rebuilder" card with them, which eventually got changed to a QS1, and then bumped up to a full QS a few months ago along with a 2X CLI, making it my largest limit *and* lowest APR. It didn't happen overnight, but you'll get there, too. Cap1's been pretty kind to me even after a CO with Chase (which finally came off of 2 of my 3 reports last week), so I repay the favor by using the QS almost exclusively.