Unexpected CapOne CLI!

[RTOrockstar]

I just got an email from Capital One that they were giving my secured card a $100 increase. Granted, it's only a hundred bucks but I didn't expect it so it was a pleasant surprise. Makes me feel like I'm getting somewhere in my credit rebuilding.

[namvet]

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@RTOrockstar wrote:

I just got an email from Capital One that they were giving my secured card a $100 increase. Granted, it's only a hundred bucks but I didn't expect it so it was a pleasant surprise. Makes me feel like I'm getting somewhere in my credit rebuilding.

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  RTO you may be the first to receive a CLI from Cap One on a secured card.  Was that increase due to you adding more money to your secure deposit or did it just come out of thin air?
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[corymcd88]

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@RTOrockstar wrote:

I just got an email from Capital One that they were giving my secured card a $100 increase. Granted, it's only a hundred bucks but I didn't expect it so it was a pleasant surprise. Makes me feel like I'm getting somewhere in my credit rebuilding.

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How old is the Cap one account that you have? Mine is two years ola and nothing!!!

[RTOrockstar]

Completely out of the blue.

I opened the card last Oct. with the starting $200 limit, then in Feb. I deposited another $100 to up my limit to $300 and then today they upped my limit another $100.

If I'm the first to get an unsecured increase on a secured card, I'm ok with that. Pretty sure some others on here have had similar increases, tho.

[aussiesareforever]

So have they unsecured the card? Seems like they should have if they gave you a CLI

[RTOrockstar]

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@aussiesareforever wrote:

So have they unsecured the card? Seems like they should have if they gave you a CLI

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No, it's still secured. Pretty sure CapOne cards don't ever unsecure themselves.

[Wolf3]

It should not have been unexpected.   Getting an unsecured CLI on secured card is a feature of Capital One.     It usually happens after 6 months.   Some get it, some don't.   I got $300 after 6 months, I had a $2200 deposit by then.

The cards don't unsecure, they expect you to apply for another card.   I did after 14 months and got cash rewards card $3000 limit, with credit steps, so it went to $3500 after 6 months.

I still recommend them for rebuilding.

[xlr8d]

Cap1 gave me a auto 100 CLI at 6 mos, it was expected though.

Cap1 secured cards have one auto CLI and nothing else. No chance of graduation, closed mine before the AF hit

[RTOrockstar]

Well, I didn't expect it. And judging by some of the other responses, a lot of ppl don't expect it.

I might not ever get another increase on this card, but today I did and it feels pretty good. This little victory will get me thru the day and move me forward in my journey.

[xlr8d]

Sorry if it seems like some people are downplaying this. Congrats!

Just wanting you to know that cap1 will usually do a $100 CLI on secured cards at 6 mos.

Once again congrats and keep on keepin on that credit journey