topic Re: Wow didn't expect auto CLI from Cap One in Credit Cards

Wow didn't expect auto CLI from Cap One

Anonymous — Thu, 27 Oct 2011 12:50:17 GMT

Just checking my accounts and was really surprised to find $500 CLI on my cash rewards card! One Year Anniversary started at $500 moved to $750 after CS and now $1250. Really just helps my utilization though as its only used for gas and cell phone then paid in full each statement.

Re: Wow didn't expect auto CLI from Cap One

hedgeclipper2 — Thu, 27 Oct 2011 13:10:10 GMT

Thats great news to hear CapOne is actually giving out some love lately.

Congrats!

Re: Wow didn't expect auto CLI from Cap One

CreditCrusader — Thu, 27 Oct 2011 13:13:23 GMT

@jthedges wrote:
Thats great news to hear CapOne is actually giving out some love lately.

Congrats!

It would be great to feel some love as well! I will have had my card for a year in Nov...got a $250 increase to $750 at the six month point and have charged/PIF every month since then...we'll see!

Re: Wow didn't expect auto CLI from Cap One

hedgeclipper2 — Thu, 27 Oct 2011 13:17:08 GMT

I am hoping to see some love on my newly aquired Cash Rewards card.

They stuck me with a $3,000 limit, so I am hoping that will soon be rising

Re: Wow didn't expect auto CLI from Cap One

SevenNEW — Thu, 27 Oct 2011 13:49:26 GMT

The un-love button is still not working for me, alas!

Same old:

"Offers are not currently available for this account. Please check back at a later time as we update offers periodically. Some reasons that offers are not available at this time could be that your account status may have changed or you may have accepted another offer from Capital One to change this account. Thank you for being a valued Capital One cardholder!"

Re: Wow didn't expect auto CLI from Cap One

CS800 — Thu, 27 Oct 2011 14:06:23 GMT

@SevenNEW wrote:
The un-love button is still not working for me, alas!
Same old:
"Offers are not currently available for this account. Please check back at a later time as we update offers periodically. Some reasons that offers are not available at this time could be that your account status may have changed or you may have accepted another offer from Capital One to change this account. Thank you for being a valued Capital One cardholder!"

I take it as your account is not eligible for any more increase. i have had my Cap one for 3 years in perfect payment history stuck at $1100. Always told the same message. My account is currently not eligible for a CLI. Come on 3.9 years of perfect payment history???

Re: Wow didn't expect auto CLI from Cap One

Anonymous — Thu, 27 Oct 2011 14:31:49 GMT

Capital One seems to be showing a lot of people love lately. The only "love" they have shown me lately is an email about picking my own card image.

But that is all I can expect as I have only had the card for 3 months.

I have a question about the credit steps. When I first got my card they sent me a letter saying I just have to buy something and make the first 5 months of payments on time and they will automatically raise my limit from 500 to 750. So I know 2 months from now my limit is going up.

For those of you who have gone higher than 750 did they send you anything? Like make the next 6 months on time and we will raise you to 1250? Or did the CLI just happen without warning?

Re: Wow didn't expect auto CLI from Cap One

Red1Blue — Thu, 27 Oct 2011 15:47:03 GMT

Congrats..

Re: Wow didn't expect auto CLI from Cap One

Anonymous — Thu, 27 Oct 2011 16:19:33 GMT

Congrats! Like you, I started at 500 and went to 750. I just hit my one year anniversary, and I'm still sitting at 750. Still, I'm happy to hear that others are getting some luv.

Re: Wow didn't expect auto CLI from Cap One

nuggets321 — Thu, 27 Oct 2011 16:37:48 GMT

If my memory serves me correctly , I just happened to be checkin online and noticed the CLI to 750 also via the "credit steps program"...

Re: Wow didn't expect auto CLI from Cap One

SevenNEW — Thu, 27 Oct 2011 21:16:23 GMT

@CS800 wrote:
@SevenNEW wrote:
The un-love button is still not working for me, alas!
Same old:
"Offers are not currently available for this account. Please check back at a later time as we update offers periodically. Some reasons that offers are not available at this time could be that your account status may have changed or you may have accepted another offer from Capital One to change this account. Thank you for being a valued Capital One cardholder!"

I take it as your account is not eligible for any more increase. i have had my Cap one for 3 years in perfect payment history stuck at $1100. Always told the same message. My account is currently not eligible for a CLI. Come on 3.9 years of perfect payment history???

That is definitely the case. But I am not really complaining, since these days I am using my new two CCs -- Amex BCE and Chase Freedom. I plan on letting these accounts age one year, after which I will close my old Cap 1 Platinum and apply for their Prime Cash Rewards.

Re: Wow didn't expect auto CLI from Cap One

Walt_K — Thu, 27 Oct 2011 21:34:29 GMT

@Anonymous wrote:
Capital One seems to be showing a lot of people love lately. The only "love" they have shown me lately is an email about picking my own card image.

But that is all I can expect as I have only had the card for 3 months.

I have a question about the credit steps. When I first got my card they sent me a letter saying I just have to buy something and make the first 5 months of payments on time and they will automatically raise my limit from 500 to 750. So I know 2 months from now my limit is going up.

For those of you who have gone higher than 750 did they send you anything? Like make the next 6 months on time and we will raise you to 1250? Or did the CLI just happen without warning?

Without warning. I got bumped from $750 to $1500 maybe around the nine month mark. I asked for an increase after about a year at $1500 and was denied. Two weeks later (or thereabout) I got a letter that they had increased my limit to $2500. So mine went from initial CL of $500 to $2500 in a little under 2 years if I remember correctly.

I had no other credit cards for most of that time period. Trying to read the tea leaves is next to impossible, but perhaps the fact that I was not adding any additional unsecured credit explained some of the reason for receiving modest increases from them.

Re: Wow didn't expect auto CLI from Cap One

boomhower — Fri, 28 Oct 2011 06:08:26 GMT

CapOne has been pretty good to me over the years. Started with around $500 and up to $1800 now, it's up to $1800. I was late on it once around five years ago and that is my only late on any card that I can remember and it's the only one on my CR. They get a lot of hate but they've treated me well. They're also my lower APR but that certainly isn't saying much.

Re: Wow didn't expect auto CLI from Cap One

notmyj — Sun, 30 Oct 2011 01:50:43 GMT

I started in Aug of 2010 with a $500 limit. Around June of 2011 I got a bump to $750. Then I carried a large balance of $700. I just paid it off in full 5 days ago just before the statement cut for the month. Then the day after the statement cut (one day ago), I was checking my accts online (I am really enjoying the $0 balances on all my cards and look at them just before bed every night), I noticed my cap one went from $750 to $2250 limit. I'm kinda stoked as they didnt give me a notice nor did i ask for it. I am planning on buying a house in the near future (3 months)and am hoping the cli will help my scores come up. They jumped 22pts and still have 4 accts that have not reported the $0 balance and a personal loan that has not yet reported as paid/closed. This will leave nothing but 21k in one student loan showing on my report prior to my mortgage app. My current EQ score is 641. I hope this works....

Re: Wow didn't expect auto CLI from Cap One

CS800 — Sun, 30 Oct 2011 01:58:44 GMT

I did every possible thing on my card nad it has always been paid on time. Still no CLI for me after 3 years

Re: Wow didn't expect auto CLI from Cap One

Anonymous — Sun, 30 Oct 2011 03:50:01 GMT

Same here, nearly 3 years, no change.

@CS800 wrote:
I did every possible thing on my card nad it has always been paid on time. Still no CLI for me after 3 years

Re: Wow didn't expect auto CLI from Cap One

Anonymous — Sun, 30 Oct 2011 08:32:03 GMT

I do the same thing with my card. Have only had it for 4 months so I hope they do the same for me. Congratulations regarless.