topic Re: CLI! Capital One Credit Steps! in Credit Card Approvals

CLI! Capital One Credit Steps!

MrsCHX — Wed, 10 Aug 2016 12:49:36 GMT

I figured I'd get the 'standard' increase but that's alright with me.

Opened Platinum and QS1 2/2016 $300

CLI via luv button 5/2016 to $800 each

PC Platinum to QS 6/2016 via chat

My 6th statement cut yesterday and I woke up to a $1300 credit limit on each. Planning to get one more CLI and then combine.

I can request 6 months from my 5/2016 date, correct? Not the credit steps date of today??

Re: CLI! Capital One Credit Steps!

Anonymous — Wed, 10 Aug 2016 15:18:32 GMT

Congrats! My brother has the same cards with the same SL limits and increases. Hopefully, his $800 will be $1300 too, when his credit steps kicks in next month.

Re: CLI! Capital One Credit Steps!

Anonymous — Wed, 10 Aug 2016 15:45:23 GMT

For me, Cap1 has been pretty consitant with allowing only 1 CLI every 6 months, though sometimes those that got the Credit Step got one sooner. But after that as far as I know its once every 6 months for the Luv Button. Though I have heard of people hitting the Luv Button successfully AND getting auto CLId near the same time.

Re: CLI! Capital One Credit Steps!

MrsCHX — Wed, 10 Aug 2016 17:56:43 GMT

@Anonymous wrote:
For me, Cap1 has been pretty consitant with allowing only 1 CLI every 6 months, though sometimes those that got the Credit Step got one sooner. But after that as far as I know its once every 6 months for the Luv Button. Though I have heard of people hitting the Luv Button successfully AND getting auto CLId near the same time.

Yeah, I know about the 6 month hard rule but wasn't certain if it was only for customer initiated requests. So since I requested CLI in April can I request again in October?

Or, since steps CLI is September do I have to wait until March.

Re: CLI! Capital One Credit Steps!

MrsCHX — Wed, 10 Aug 2016 17:57:53 GMT

Thanks! It's highly likely unless he's managed to really improve his profile.

Mine is about the same. I now have 6 months of payments on a few cards but that's probably overshadowed by all the inquiries I got to start rebuilding. Really looking forward to 18 months from now when I have zero inquiries and both judgments are gone.

Re: CLI! Capital One Credit Steps!

Anonymous — Wed, 10 Aug 2016 17:59:06 GMT

No, it will be 6 months from the increase they just gave you.

Re: CLI! Capital One Credit Steps!

MrsCHX — Wed, 10 Aug 2016 17:59:51 GMT

@Anonymous wrote:
No, it will be 6 months from the increase they just gave you.

Thanks donny! Good to know.

Re: CLI! Capital One Credit Steps!

Anonymous — Wed, 10 Aug 2016 18:14:14 GMT

It's typically 6 months. I requested one 3 months post opening my account and got increased to $1500 from $500 initial credit limit. Then they gave me my credit steps of $500 after 6 months of the card being opened. About 5 months later I received a measly $150 credit limit increase through requesting. That was in February. I haven't been able to get one since by requesting. I assume I'll be able to get one after my statement cuts this month. So it's mostly 6 months except after you initially open your card. I opened my Venture One about 4 months ago and I'm eligible for a CLI but they are only offering $500 increase. I'm going to save my CLI until I pay down my card and see if I get more.

Re: CLI! Capital One Credit Steps!

Anonymous — Thu, 11 Aug 2016 05:30:56 GMT

@MrsCHX wrote:
I figured I'd get the 'standard' increase but that's alright with me.

Opened Platinum and QS1 2/2016 $300
CLI via luv button 5/2016 to $800 each
PC Platinum to QS 6/2016 via chat

My 6th statement cut yesterday and I woke up to a $1300 credit limit on each. Planning to get one more CLI and then combine.

I can request 6 months from my 5/2016 date, correct? Not the credit steps date of today??

Congratulations to you!...Thanks for sharing.

Re: CLI! Capital One Credit Steps!

Anonymous — Thu, 11 Aug 2016 12:23:48 GMT

Congratulations on your CLI!

Re: CLI! Capital One Credit Steps!

MrsCHX — Thu, 11 Aug 2016 17:18:47 GMT

Thanks guys!

Re: CLI! Capital One Credit Steps!

Vegas4Play — Fri, 12 Aug 2016 08:22:43 GMT

Congrats to you !!!