cap1 cc cli

[Scupra]

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@SSH0126 wrote:
Only 300

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My money is on, you're enrolled in credit steps

[Anonymous]

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@SSH0126 wrote:
Only 300

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Yep, thats a credit steps account. Start requesting an early CLI after the account is 60 days old.

[SSH0126]

Do you have to wait so many days before asking again so that you won’t get an auto denial? Wondering if anyone else had one that low..what it was raised to. Have one baddie and this will be the only one with good history.

Paid the 39 fee down to 22.00 so as soon as I get the statement will pay to zero that same day.

[Anonymous]

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@SSH0126 wrote:
Do you have to wait so many days before asking again so that you won’t get an auto denial? Wondering if anyone else had one that low..what it was raised to. Have one baddie and this will be the only one with good history.

Paid the 39 fee down to 22.00 so as soon as I get the statement will pay to zero that same day.

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No, you can request one every day. If they deny a CLI for credit score, asking is a backdoor way of getting a free FICO score from Equifax, since the score will be on the denial... Not sure which score model they are using these days.

And no it does not result in a hard pull.

[SSH0126]

Seeing tow conflicting things.use card heavy but 700 in 24 days no. Which one is it?

[Scupra]

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@SSH0126 wrote:
Seeing tow conflicting things.use card heavy but 700 in 24 days no. Which one is it?

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Depends on your self control. Cap1 will give higher CLI's with usage to back it up

[SSH0126]

We can pay should we pay same day or next day and out of 300 should we use the entire amount or not if trying to get high increase?

We have one collection post bk and that’s the only card we have right now

[Scupra]

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@SSH0126 wrote:
We can pay should we pay same day or next day and out of 300 should we use the entire amount or not if trying to get high increase?

We have one collection post bk and that’s the only card we have right now

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If you feel you can control your spending, spend whatever you like and pay it down before the statement hits. Make sure the card doesn't report more than a 10% balance.

[SSH0126]

We had horrible credit before and haven’t restablished so I’m wondering if they will increase at 60 days or if we will have to wait to 6 months because we are close to a year and just now able to back get in. And he had no debt with cap 1.

[Anonymous]

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@SSH0126 wrote:
We had horrible credit before and haven’t restablished so I’m wondering if they will increase at 60 days or if we will have to wait to 6 months because we are close to a year and just now able to back get in. And he had no debt with cap 1.

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No way to know un til you hit the button. Go ahead, and do it, there are no negative consequenses involved with doing the online request. You can do it every single day if you like.