topic Re: Cap1 early increase creditsteps in Rebuilding Your Credit

Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 00:01:27 GMT

I just got my first CLI with Cap1, got this card in April and I decided to hit for some love And I was approved to go from 300 to 800CL. I am so happy

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 00:03:40 GMT

Congratulations! When you get your step increase it should bring it to $1,300.00.

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 00:07:59 GMT

@Anonymous wrote:
Congratulations! When you get your step increase it should bring it to $1,300.00.

Is there anyway to get an increase higher than that? Thank you by the way

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 00:11:08 GMT

Who knows...Typically a $300 SL that's get a CLI early of $500 almost always gets bumped to $1300 on their step increase.

But, you never know!

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 01:29:01 GMT

My early CLIs after the 3rd statements were as follows: QS1 $500 - $4000 QS $500 - $2000. Use, PIF, repete. Made +15 payments in 60 days. Charged $2.2K through each card (or more).

Re: Cap1 early increase creditsteps

RonM21 — Wed, 22 Jun 2016 09:27:05 GMT

Congrats on your increase!

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 16:17:54 GMT

@Anonymous wrote:
My early CLIs after the 3rd statements were as follows: QS1 $500 - $4000 QS $500 - $2000. Use, PIF, repete. Made +15 payments in 60 days. Charged $2.2K through each card (or more).

Yeah this should help I am reporting with all my cards at 65 percent, so this will help bring it down about 1 percent LOL I am hoping to have all my CC debt paid by Sept 2016. 8,000 later lol

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 16:41:00 GMT

Does Making Multiple payments/month help things out?

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 16:48:11 GMT

Nope I only put about 250 through it a month and only made monthly payments...I also went up 10-20 points with my scores on my credit files since I apped for this card

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 17:33:59 GMT

I never asked for an Early CLI with my Cap1's. I am at teh point of my 5 payments already. I didn't even think of asking for a little CLI love.

Did I make a mistake?

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 17:38:35 GMT

I would ask now if you havent gotten your credit steps CLI...I would ask now!

Re: Cap1 early increase creditsteps

Anonymous — Wed, 22 Jun 2016 17:50:20 GMT

How long does teh approval (denial) take?

Re: Cap1 early increase creditsteps

beezer32 — Wed, 22 Jun 2016 22:37:11 GMT

I got a 3 month luv button increase from 300-500. Nothing at 5 or 6 month from auto luv. Called in, rep said they release the balance of your full credit line after the 7th statement cuts now. Must be a new thing?

Re: Cap1 early increase creditsteps

beezer32 — Wed, 22 Jun 2016 22:38:07 GMT

Correction to the above post, my 3 month CLI luv button was from 300 to 800.

Re: Cap1 early increase creditsteps

MrsCHX — Thu, 23 Jun 2016 13:20:32 GMT

Agreed that $300 - $800 - $1300 is the "standard" path with QS1 and Platinum.

Perhaps if you have a major score increase in the interim you can get a larger bump. By the time it's time for my steps I'll have removed 2 of 3 collections and my only charge off. I will still have derogs though, but hopefully that'll help me see a bigger bump! I'm due for steps in September I think.

Re: Cap1 early increase creditsteps

beezer32 — Thu, 23 Jun 2016 16:26:08 GMT

Update: Despite the CSR from C1 telling me I had to wait until the 7th statement, I had an increase to $1300 on both the QS1 and Platinum this morning. Exactly 1 day after my 6th statement cut.

Re: Cap1 early increase creditsteps

Anonymous — Thu, 23 Jun 2016 17:16:27 GMT

@beezer32 wrote:
Update: Despite the CSR from C1 telling me I had to wait until the 7th statement, I had an increase to $1300 on both the QS1 and Platinum this morning. Exactly 1 day after my 6th statement cut.

Good job and hey its something time to let it grow

Re: Cap1 early increase creditsteps

Anonymous — Thu, 23 Jun 2016 17:17:41 GMT

@MrsCHX wrote:
Agreed that $300 - $800 - $1300 is the "standard" path with QS1 and Platinum.

Perhaps if you have a major score increase in the interim you can get a larger bump. By the time it's time for my steps I'll have removed 2 of 3 collections and my only charge off. I will still have derogs though, but hopefully that'll help me see a bigger bump! I'm due for steps in September I think.

by the time my 6 or 7th statement comes I have my ulti rate dropping from 65 percent to around 2 percent....so I should see a good boost from that and I got word of two collection accounts being deleted off my report today

Re: Cap1 early increase creditsteps

Anonymous — Thu, 23 Jun 2016 19:31:38 GMT

@Anonymous wrote:
@Anonymous wrote:
Congratulations! When you get your step increase it should bring it to $1,300.00.
Is there anyway to get an increase higher than that? Thank you by the way

Increase your scores considerably. I've heard of $300 going to $3300 in some instances.

Re: Cap1 early increase creditsteps

Anonymous — Thu, 23 Jun 2016 19:43:01 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congratulations! When you get your step increase it should bring it to $1,300.00.
Is there anyway to get an increase higher than that? Thank you by the way
Increase your scores considerably. I've heard of $300 going to $3300 in some instances.

My credit steps cli wont be until october and my ulti rate is at 65 percent now but in october it will be 2 percent so i am guessing my scores will go up...also had two medical collections deleted today so it should help also...by october i am hoping more is deleted...