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Capital One Credit Limit increase

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DonMzBhavin
New Contributor

Capital One Credit Limit increase

There was a thread posted prior by Kris10smom about the backdoor route to trying to obtain a credit limit increase after that 6th statement deal. I took the info with every intention of emailing somebody once I hit the 6th statement to get more than the $250 that they guarantee you as a part of the credit steps program. My 6th statement closed on 04/20, my birthday was 04/19 so I was outta town celebrating and hadn't come yet. Anywho, I logged in to my account today to see a $1000 increase. They took my unsecured card from $500 to $1500 in 6 months. A little background, I have a secured card with Cap1 $500 limit and a car loan too. I was only expecting $250 next month and planned to call/email to try and get that increased.. pleasantly surprised !!! I did get that NRG Group off my credit report so I now have EQ (FICO) 672 , EX (FAKO) 661, TU (FICO) 660..Bankruptcy Chpt 7 discharged 08/12. I hope to make the 700 club before I hit the 1-yr mark on my BK discharge!!! Now on to getting my car refinanced...18.97 interest rate sucks..Thank you all 4 all ur help

 

Overall limits - $13,200

Target VISA $10,000            Bal. $1,405    (Auth user)

Cap1 Secured $500            Bal. $89

Cap1 Unsecured $1500     Bal. $38     >THIS WAS JUST INCREASED Smiley Happy>>

Lane Bryant          $700        Bal $113

NY & Company    $250        Bal $ -0.76  (Overpaid)

Capital One Auto Loan Bal 15469

Victoria Secret     $250         Bal  $3.08

 


Starting Score: 467
Current Score: 661
Goal Score: 795


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Post BK Wallet: Target VISA $10,000 (AU) | NFCU Credit Card $5,000| Walmart $1100| Cap One Platinum $3000 | Amazon $1150 | Discover It Card $500 | Cap One Secured $500 | PayPal Smart Connect $500 | Lane Bryant $1130| Dressbarn $750 |NY & Company $250| Victoria's Secret $250 | Target Store Charge $200 |Capital One Auto Finance
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1 REPLY 1
myjourney
Super Contributor

Re: Capital One Credit Limit increase

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 2
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