topic Re: Capital One Luv 1st 6 months after credit steps in Rebuilding Your Credit

Capital One Luv 1st 6 months after credit steps

Anonymous — Fri, 23 Sep 2016 12:17:02 GMT

So I decided to hit the luv button on my 2 capital one cards 6 months post credit steps increase. To my surprise I got a 2500 increase on my QS and 3500 increase on my QS1. So I went from 500 to 600 at month 3 on each then 600 to 1100 at credit steps on each and now at 3600 and 4600. Very exciting for me. Hopefully help the utilization a little bit. Have a few small limit store cards to pay down with 300 limits. But things are looking up!

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Fri, 23 Sep 2016 12:29:44 GMT

Nice increases. Congrats. Things are looking up indeed.

Re: Capital One Luv 1st 6 months after credit steps

MrsCHX — Fri, 23 Sep 2016 14:06:03 GMT

Congrats!

Capital One is good during the rebuild. I'm excited for my 6 months post steps date too!

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Tue, 27 Sep 2016 20:04:30 GMT

DO you have to have a certin card to have the love button ? I dont have one ive had my capital one card for almost a year and no increase.

Re: Capital One Luv 1st 6 months after credit steps

FireMedic1 — Tue, 27 Sep 2016 22:00:21 GMT

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Wed, 28 Sep 2016 13:21:45 GMT

@Anonymous wrote:
So I decided to hit the luv button on my 2 capital one cards 6 months post credit steps increase. To my surprise I got a 2500 increase on my QS and 3500 increase on my QS1. So I went from 500 to 600 at month 3 on each then 600 to 1100 at credit steps on each and now at 3600 and 4600. Very exciting for me. Hopefully help the utilization a little bit. Have a few small limit store cards to pay down with 300 limits. But things are looking up!

Congrats! I had a similar experience with my QS1 for month 3 and Credit Steps ($500-$600-$1100) and my anniversary is in December (which also coincides with 6 months post Credit Steps) so here's hoping I have similar results in a few months!

I run a lot of money through my QS1 as it's my general spend card so maybe that'll affect things in my favor in a few months.

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Wed, 28 Sep 2016 14:56:56 GMT

@Anonymous wrote:
DO you have to have a certin card to have the love button ? I dont have one ive had my capital one card for almost a year and no increase.

"The Luv Button" is a euphemism, rather than a literal button. You have to go into services tab on the website, and look for the "Request Credit Limit Increase" link.

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Wed, 19 Oct 2016 18:34:51 GMT

Credit line increases are not for the Secure cards. Capital one doesnt do that anymore if you click the request credit limit increase they will post a message saying its for unsecure cards only.

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Thu, 20 Oct 2016 01:29:05 GMT

Question......I received my qs1 in early July. I received my first statement one day after activation (AF $39). Should I count that initial (July) statement when counting for my credit steps increase? Or should I start with my August statement?

Re: Capital One Luv 1st 6 months after credit steps

fltireguy — Thu, 20 Oct 2016 02:11:42 GMT

@Justagirl73 wrote:
Question......I received my qs1 in early July. I received my first statement one day after activation (AF $39). Should I count that initial (July) statement when counting for my credit steps increase? Or should I start with my August statement?

Have you tried for a 3 mo CLI?

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Thu, 20 Oct 2016 02:27:10 GMT

fltireguy wrote:

Justagirl73 wrote:

Question......I received my qs1 in early July. I received t statement?

Have you tried for a 3 mo CLI?

Yes it was only $100 😑

But I wanted to increase it before the credit steps kicked in. I just don't know when my clock starts.

Re: Capital One Luv 1st 6 months after credit steps

surferchris — Thu, 20 Oct 2016 03:46:27 GMT

Congrats!

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Sat, 05 Nov 2016 02:01:51 GMT

Same here. Got 100 after my 2nd statement and trying to figure out when I can request another CLI.

Re: Capital One Luv 1st 6 months after credit steps

Anonymous — Tue, 08 Nov 2016 14:36:01 GMT

@Justagirl73 wrote:
Question......I received my qs1 in early July. I received my first statement one day after activation (AF $39). Should I count that initial (July) statement when counting for my credit steps increase? Or should I start with my August statement?

Counting statements can be confusing. Just count 180 days after the account was opened (not activated).