limit increase

[creditchild]

i have a cap one cc that i've been paying on perfectly since jan of this year, does anyone know

if i should ask for a cl increase, or should i wait a full year to apply? my limit now is $500, my balance

is now $30.00

[andre181]

It cant hurt to call and ask but for the most part capital one has stopped doing limit increases upon customer request

[score_building]

+1

[Red1Blue]

Normally you can ask for CLI every 6 months. ( GEMB every 4 months ). But make sure they dont ding you with a hard inq.

[Anonymous]

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@Red1Blue wrote:

Normally you can ask for CLI every 6 months. ( GEMB every 4 months ). But make sure they dont ding you with a hard inq.

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In your experience you have you requested with Gemb … and got softs?  I know they are all store cards so I would not take the risk if it was hard I got other things I want to use my hard inquiries on.

[Creditaddict]

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@Anonymous wrote:

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@Red1Blue wrote:

Normally you can ask for CLI every 6 months. ( GEMB every 4 months ). But make sure they dont ding you with a hard inq.

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In your experience you have you requested with Gemb … and got softs?  I know they are all store cards so I would not take the risk if it was hard I got other things I want to use my hard inquiries on.

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always soft

[Red1Blue]

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@Anonymous wrote:

In your experience you have you requested with Gemb … and got softs?  I know they are all store cards so I would not take the risk if it was hard I got other things I want to use my hard inquiries on.

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It has been always soft for me. I ask them for CLI every 4 months like a clock work and I get CLI from them. Only account I did not get cli every 4 months was JC Penny. I think I got 2 cli's on JC Penny so far in the last 3 years. Other cards I got every 4 months. It does not cost any thing to ask, but chances of getting cli every 4 months is very high.