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An auto cli on a card in the credit steps program before it end?

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Closingracer99
Valued Contributor

An auto cli on a card in the credit steps program before it end?

i got my capital one card back around August and it was at $500 noticed it now has a $1,500 credit limit . I was expected to get it up to double or whatever it is next month so I should get double of $500 or $1,500?


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 1 of 17
16 REPLIES 16
Anonymous
Not applicable

Re: An auto cli on a card in the credit steps program before it end?

Good luck. Their "auto" CLI for me was only a measley $250 - from $500 to $750. It was my lowest CL and it remains my lowest CL.

 

I'm going to ask for a PC (from Platinum to Quicksilver - or Quicksilver One if they want to waive the fee for it) in a couple of months, as there is no way in this universe that I'm paying a fee for a non-rewards credit card. If they decline then I am going to cancel it.

Message 2 of 17
Anonymous
Not applicable

Re: An auto cli on a card in the credit steps program before it end?

Congrats on the CLI! I would think they may not give you the expected increase next month since you got this one, but hope I'm wrong. Keep us posted!

Message 3 of 17
Anonymous
Not applicable

Re: An auto cli on a card in the credit steps program before it end?


@Anonymous wrote:

Good luck. Their "auto" CLI for me was only a measley $250 - from $500 to $750. It was my lowest CL and it remains my lowest CL.

 

I'm going to ask for a PC (from Platinum to Quicksilver - or Quicksilver One if they want to waive the fee for it) in a couple of months, as there is no way in this universe that I'm paying a fee for a non-rewards credit card. If they decline then I am going to cancel it.


Don't accept substitutions, Insist on Quicksilver flat out.

Message 4 of 17
Closingracer99
Valued Contributor

Re: An auto cli on a card in the credit steps program before it end?


@Anonymous wrote:

Congrats on the CLI! I would think they may not give you the expected increase next month since you got this one, but hope I'm wrong. Keep us posted!


Thanks and tbh I don't get what warranted it since I never really used the card because of the small limit and only put on $0.50 every month so I could get that auto cli after 6 months . I do have another credit card with them the playstation card which I do use quite a lot 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 5 of 17
TRC_WA
Senior Contributor

Re: An auto cli on a card in the credit steps program before it end?

It's 6 months between CLIs with Capital One.

 

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 17
Closingracer99
Valued Contributor

Re: An auto cli on a card in the credit steps program before it end?


@TRC_WA wrote:

It's 6 months between CLIs with Capital One.

 

 


I obviously got one before 6 months because my CL is now $1,500 and it was $500 and it wasn't 6 months ...


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 7 of 17
TRC_WA
Senior Contributor

Re: An auto cli on a card in the credit steps program before it end?


@Closingracer99 wrote:

@TRC_WA wrote:

It's 6 months between CLIs with Capital One.

 

 


I obviously got one before 6 months because my CL is now $1,500 and it was $500 and it wasn't 6 months ...


Read the part in red...

 

You obviously just got a CLI... so you obviously won't get another one for 6 months. 

 

I said 6 months between CLI's... not 6 months till the first one.

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 8 of 17
uswala
Senior Contributor

Re: An auto cli on a card in the credit steps program before it end?

Congrats on the CLI!

Message 9 of 17
Anonymous
Not applicable

Re: An auto cli on a card in the credit steps program before it end?

Since you got the card around August are you sure the 5th statement hasnt closed yet? I recall on my mailed offer it said potential for a higher limit after 5 months so Im wondering if this was your credit steps increase. At any rate, congrats!
Message 10 of 17
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