Cap 1 Credt Steps Disappointment

[Drsgwld]

Try this stratigy and see what happens in 6 mo! Let me know! Good Luck and don't be discouraged! 😊

[Broke_Triathlete]

Thank you. I will say I did let it report quite a bit, with the exception of this month a few days before my credit steps. 20K huh? That'd be awesome!

[chalupaman]

You know what? CrapOne as some people like to call it is starting to annoy me too lately. Don't feel bad. Get better options in the future if you can.

[EddieK]

There's no set criteria for what type of increase Cap1 hands out.  I've maybe used my QS card 3 times in the last 6 months just to show it as active and the charges were all below $50.  I let the balance report, paid it off and 2 days ago hit the LUV button, 3K increase.

[happypill]

I'm eagerly awating what will happen to my credit steps.  I believe it's scheduled to be up with my statement later this month.

[TiggerDat]

I think I am maxed out right now at the limits they will give me.  I have three cards with them and I noticed that they seem to have in some ways refined their system to actually look at your other accounts and their limits and possibly usage with them.  I have not been able to get a CLI with the luv button in about 8 months.  The last rejection letter said something about overall limits with them and my credit score.  Which I find to be really funny since my credit score simply just goes up.  I think they have some agreement with Credit Karma to provide them with the scores they give and use for deciding this unless you go through the EO.  I have never missed a payment with them and do charge a fair amount on the cards, well a fair amount considering that there are three and I have better rewards cards than theirs for most categories.  I think they have even gotten wise to those of us who have both their low end product and their high end product. 

I wish I could close all my accounts with them, but I still have a use for them for a while.  However in a year, I will only have use for one of them.  So two will be killed!

Even the Signature card is becomming less useful.

[Broke_Triathlete]

Fortunately for me these cards will be used so I'm not going to axe them. At least for now until I get more prime cards with better limits. Ultimately I want to end up with 3 cards so these two may not make the cut. Time will tell. Interested to see what the other limit will be upped to.

[Broke_Triathlete]

Well I have some pretty good news. EO bumped my limit up another $1,500 so at least I'm in WMC territorry now. My other card still hasn't "stepped up" yet. That should occur in the next day or two.

[CreditCuriosity]

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@Broke_Triathlete wrote:

Well I have some pretty good news. EO bumped my limit up another $1,500 so at least I'm in WMC territorry now. My other card still hasn't "stepped up" yet. That should occur in the next day or two.

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Glad to hear you got a bit more out of the EO

[Broke_Triathlete]

Yes it was nice. So that put me at the $5k on the QS so I'm currently waiting to hear back from them regarding a WMC upgrade. She told me that my account does not have an upgrade available. However she is reaching out to capital ones partners to see if they will grant me a WMC card. Or something like that.