@SoCalGardener wrote:
@Anonymous wrote:Cap 1 card is 10 days from 6 months old .when I got it it didn't mention credit steps like in the past .do you still get a small cli automatically with them?
Also they use to approve a 2nd card after 6 months .I'd love a Walmart Mc even if the limit was small I hear they can grow reasonably. Thanks
I don't know anything about 'credit steps,' but just wanted to point out that getting CLIs from Cap1 in general is like pulling teeth! Look around these boards and you'll see plenty of comments/complaints about that.
Personally, I have three cards with them (two Quicksilvers and Walmart Rewards), and haven't had a CLI in years. I mean YEARS. I'm getting ready to close at least one of the QS cards because of this--their limits are very low (for me), at $4,000 and $4,500--I don't use them much because, with such low limits, any real use (like for a refrigerator) would push their utilization rate WAY UP. My WM MC's limit has been stuck at $10,000 since Cap1 acquired it 3 years ago. Every CLI request on each card has been denied for one dumb reason or another. So just a heads-up that getting a card from Cap1 is one thing, ever seeing its limit grow is quite another!
If you have 2 QS cards, you should be able to combine them into one with a better limit rather than just closing one. Keeps UTIL the same.
@FinStar wrote:
@SouthernCredit wrote:
@SoCalGardener wrote:
@Anonymous wrote:Cap 1 card is 10 days from 6 months old .when I got it it didn't mention credit steps like in the past .do you still get a small cli automatically with them?
Also they use to approve a 2nd card after 6 months .I'd love a Walmart Mc even if the limit was small I hear they can grow reasonably. Thanks
I don't know anything about 'credit steps,' but just wanted to point out that getting CLIs from Cap1 in general is like pulling teeth! Look around these boards and you'll see plenty of comments/complaints about that.
Personally, I have three cards with them (two Quicksilvers and Walmart Rewards), and haven't had a CLI in years. I mean YEARS. I'm getting ready to close at least one of the QS cards because of this--their limits are very low (for me), at $4,000 and $4,500--I don't use them much because, with such low limits, any real use (like for a refrigerator) would push their utilization rate WAY UP. My WM MC's limit has been stuck at $10,000 since Cap1 acquired it 3 years ago. Every CLI request on each card has been denied for one dumb reason or another. So just a heads-up that getting a card from Cap1 is one thing, ever seeing its limit grow is quite another!
If you have 2 QS cards, you should be able to combine them into one with a better limit rather than just closing one. Keeps UTIL the same.
@SouthernCredit - Capital One does not combine limits and/or accounts. They haven't done so in several years. At one point that used to be a feature, but it has been discontinued.
@FinStar I wasn't aware they discontinued that. My Venture One is where it is now from account combinations, and it wasn't that long ago (less than 2 years).
@FinStar wrote:
@SouthernCredit wrote:
@FinStar wrote:
@SouthernCredit wrote:
@SoCalGardener wrote:
@Anonymous wrote:Cap 1 card is 10 days from 6 months old .when I got it it didn't mention credit steps like in the past .do you still get a small cli automatically with them?
Also they use to approve a 2nd card after 6 months .I'd love a Walmart Mc even if the limit was small I hear they can grow reasonably. Thanks
I don't know anything about 'credit steps,' but just wanted to point out that getting CLIs from Cap1 in general is like pulling teeth! Look around these boards and you'll see plenty of comments/complaints about that.
Personally, I have three cards with them (two Quicksilvers and Walmart Rewards), and haven't had a CLI in years. I mean YEARS. I'm getting ready to close at least one of the QS cards because of this--their limits are very low (for me), at $4,000 and $4,500--I don't use them much because, with such low limits, any real use (like for a refrigerator) would push their utilization rate WAY UP. My WM MC's limit has been stuck at $10,000 since Cap1 acquired it 3 years ago. Every CLI request on each card has been denied for one dumb reason or another. So just a heads-up that getting a card from Cap1 is one thing, ever seeing its limit grow is quite another!
If you have 2 QS cards, you should be able to combine them into one with a better limit rather than just closing one. Keeps UTIL the same.
@SouthernCredit - Capital One does not combine limits and/or accounts. They haven't done so in several years. At one point that used to be a feature, but it has been discontinued.
@FinStar I wasn't aware they discontinued that. My Venture One is where it is now from account combinations, and it wasn't that long ago (less than 2 years).
The practice/feature ended in February 2019.
While I am not disputing what you're saying, I did combine my QS1 and Venture 1 May 2019. I'm sorry to hear they've discontinued that practice. It was useful for combining bucketed cards.