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Regular Contributor
Posts: 137
Registered: ‎10-12-2012
0

What is your highest CL with Cap1?

[ Edited ]

Well, I am not sure if this question was asked before but if it was then I guess we can all refresh our data after all the calls/emails to EO to learn more about where we are as far as CL with Cap1 goes.

 

I think there are 3 questions:

1) How long do you have your account(s)?

2) How many auto CLIs you have?

3) What is your highest CL, and which card?

 

For me:

1) 13 years

2) Once after emailing EO (after 12 years stuck at $500)

3) $3000 (Cash Visa)

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

Re: What is your highest CL with Cap1?

My results will probably be different from most people, because when I apped for my first Cap1 (besides my Kohl's card), I had a 761 credit score, so I got a high initial CL. I apped for the Cash Rewards card primarily because I wanted a no AF card with no FTF.

 

1) 2 months (unless my Kohl's Card counts, which I've had for about 2 years and has a $1k CL)

2) None

3) $7,500 (Cash Visa Signature)

Recent FICO scores: TU - 755 (mortgage lender pull)
Regular Contributor
Posts: 201
Registered: ‎12-04-2011
0

Re: What is your highest CL with Cap1?

[ Edited ]

I have a unique one, well my wife actually does.

 

Cap 1 Platinum Mastercard

$30,000 limit

Open 4.5 years

no increases

 

She had a 798 score and $16k income at the time.  We have no clue and will not question it, since it is by far the largest TL either of us have.



Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

Re: What is your highest CL with Cap1?

1. 11months

2. Credit step increase at 5 months, 750 to 1250

3. Technically a no hassle rewards card, but with the cash reward structure 1%+.5% annual bonus) and no AF, 5000 limit

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Regular Contributor
Posts: 220
Registered: ‎08-10-2012
0

Re: What is your highest CL with Cap1?

$3,000, have had for 7 years, one increase

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: What is your highest CL with Cap1?

I have two Capital One cards, one from 1999 has a $15K limit, the other from 2004 has a $30K limit.  These limits haven't changed since I got them (although I haven't asked).  These are both Capital One Platinum (not signature), just last month I got the EO to improve the rewards (to 1% + .5 bonus from 1.25%) on the second card.  No rewards on first.

Valued Contributor
Posts: 2,724
Registered: ‎06-05-2008
0

Re: What is your highest CL with Cap1?


pt2005 wrote:

Well, I am not sure if this question was asked before but if it was then I guess we can all refresh our data after all the calls/emails to EO to learn more about where we are as far as CL with Cap1 goes.

 


1) How long do you have your account(s)?

I got my Platinum Rewards card in June 2011, so it is 1.5 yrs old.  It started at 3k as a rebuilder.  

 

2) How many auto CLIs you have?

One auto increase of 500 after six months, as promised in the rebuilder program.  All subsequent CLI requests were denied.

 

3) What is your highest CL, and which card?

I used the exec method in Nov 2012 to product change to No Hassle Green Rewards and increase to 10k with a soft pull.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: What is your highest CL with Cap1?


Tryon2improve wrote:

I have a unique one, well my wife actually does.

 

Cap 1 Platinum Mastercard

$30,000 limit

Open 4.5 years

no increases

 

She had a 798 score and $16k income at the time.  We have no clue and will not question it, since it is by far the largest TL either of us have.


maybe an extra 0 was added to your income by accident? =p


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Super Contributor
Posts: 7,275
Registered: ‎12-11-2011
0

Re: What is your highest CL with Cap1?

Started at 3k with a plat MC, they pc'd me to cash rewards after 2 weeks. Just got my credit steps cli today from 3k to 3.5k.
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: What is your highest CL with Cap1?

Questions:

1) How long do you have your account(s)?

2) How many auto CLIs you have?

3) What is your highest CL, and which card?

 

Answers:

1) Two years

2) One auto increase from $500 to $750 within the first 3 months of opening my account up.

3) $1,500 CL after contacting the Exe Office. I have the MTV Rewards VISA.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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