Cap One Increase

[EW800]

Congratulations!

[Anonymous]

After my BK in January Cap1 gave me a QS and Platinum. 

But I cannot get a CL increase. 

After my BK, AMEX updated my credit record t show a deliquency in Oct 2015, the month I filed my BK, even though the account was closed/charged off 3 years ago. NO OTHER MONTH was updated other than Oct 2015. 

Because of this, when I request a CLI with Cap1, they point to this 'recent deliquency' and turn me down. 

I've disputed it months ago but nothing has changed. Still is listed as being disputed. 

[Anonymous]

I'm in the same boat as you... My equifax doesn't show any delinquency other than a judgement that was included in my bk7 that was discharged in early Feb. I have both the QS1 & QS cards right after discharge & no Cli to this day.. I don't know if there's any way around this, but I thought I was the only one.

[Anonymous]

Which card offers the increase after the 2nd statement?  After my first statement, I got a notice that they would after 5 months of on time payments, would they still do an increase in 70 days?

[Anonymous]

I got the same message in regards to seeing an increase after my 5th statement, however, I tested my luck and I am only at my 2nd statement and received a 100 increase on 1 and 500 increase on the other.

[Anonymous]

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@Anonymous wrote:

So i guess the 70 day thing is more accurate than the 2nd statement. 70 days for me was may 20th i got the increase yesterday. I tried like twice before yesterday on both dang cards!!!!

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Im quite new here... I just got my QS1 card in the mail today. (Waiting on my 2nd platinum to arrive... Piggybacked on that HP and got 2 cards.) is it 70 days after activation or application date? Thanks in advance 😊

[Dis0314]

I was slow to rebuilding but after about 6 months post Chp7 discharge we got a QS and a platinumfrom cap1 both at $2500.00 limits.. 

about 5 months later I remembered I needed to request the CLI to continue to rebuild credit so I clicked the button and a week later our Plat was $5k, and the QS was $3k.

Not bad for the first increase

When is a good time to request for CLI again?

[Anonymous]

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@Dis0314 wrote:

I was slow to rebuilding but after about 6 months post Chp7 discharge we got a QS and a platinumfrom cap1 both at $2500.00 limits.. 

about 5 months later I remembered I needed to request the CLI to continue to rebuild credit so I clicked the button and a week later our Plat was $5k, and the QS was $3k.

Not bad for the first increase

When is a good time to request for CLI again?

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Ive heard Cap1 is every 6 months after your credit steps kick in.

I tried my second card again today and got the 2-3 day notice, probably for "card too new" even though the other one was increased already.  I will keep trying once a week until It increases than just wait for the credit steps.