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Early CLI with Capital One Credit Steps

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krisssmmm
Regular Contributor

Re: Early CLI with Capital One Credit Steps

Part of me wonders what would have happened if you only did the early cli on one card. I have two cards as well and didn't even know you could ask for an early increase. Both accounts are in credit steps. I just hit 6mknths and my cli was $3300 and I started with $300 limit in dec. I decided to do the early increase by hitting the button and got up to $800 with starting cli of $300. 6th statement will cut on Friday and though I'm due my cli, I doubt it will be as high as my first account I isn't touch. I do love that the increases are way over what they tell you in the beginning. 

Message 11 of 59
Anonymous
Not applicable

Re: Early CLI with Capital One Credit Steps

Do they soft pull? If so, any idea who they pull?

Message 12 of 59
Anonymous
Not applicable

Re: Early CLI with Capital One Credit Steps

Did you all wait a few months or after the first statement cut to ask for the cli?

Message 13 of 59
krisssmmm
Regular Contributor

Re: Early CLI with Capital One Credit Steps

Yes, it's a soft pull.

I waited 6 months bc I didn't know as part of credit steps you could ask for a cli.
Message 14 of 59
Anonymous
Not applicable

Re: Early CLI with Capital One Credit Steps

I waited 5 months after opening my first account but that's because I didn't know you could ask for a CLI while on the credit steps program.

It's my understanding you need to wait at least 3 months
Message 15 of 59
Rebuilding69
Established Contributor

Re: Early CLI with Capital One Credit Steps

For my QS1 I waited 4ish months because I just saw this thread today.

For my Unsecured Platinum, I waited 1 month, because I did a CLI for my QS1 today, and thought what the heck, I'll do the other card even though it's only been a month.



Message 16 of 59
Anonymous
Not applicable

Re: Early CLI with Capital One Credit Steps

Were your increases instantly approved? Or was there any delay? I just want to know before trying on my QS1 card. Smiley Wink

Message 17 of 59
Anonymous
Not applicable

Re: Early CLI with Capital One Credit Steps


@Anonymous wrote:

Were your increases instantly approved? Or was there any delay? I just want to know before trying on my QS1 card. Smiley Wink


Its usually instant approval. My wifes was approved from $500 to $1500 even though its currently got $470 on it right now, but I have been making double minimum payments twice monthly.

Message 18 of 59
Cjinpink
Established Member

Re: Early CLI with Capital One Credit Steps

I have a secured platinum (2months old) and an unsecured platinum (less than a month old) w/Cap1. Can I have a 3rd card - I would like the quicksilver card.
6/15 Starting My Fico: 602 EQ 582 TU 588 EX
Current My Fico: 619 EQ 606 TU 591 EX

Goal: 700+ across the board!

Message 19 of 59
tiger_uppercut
Established Contributor

Re: Early CLI with Capital One Credit Steps

I can't get them to budge on a pre-credit steps CLI for me. 4th statement will cut next week, I'll try again. Smiley Happy


Message 20 of 59
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