I've gotta say - I've never been the biggest fan of Cap1 until now. They've served their purpose with my rebuild, no doubt, and now that I'm near prime territory, they're giving me a LOT of love. I started with a garbage $500 secured card back in 2010; it was my only card for over a year, until I got serious about fixing the problems I'd created. I then got a Credit Steps Plat MC with a $500 limit in 2011, and closed the secured card.
6 months ago, during my most recent app spree, they sent me a pre-approval for a QS1. I figured 'why not?', and received a $500 limit card - laughable, at best. I've been foaming at the mouth for the "credit steps" to hit $750 so I could take the measley limit and roll it into my then-$4k QS. Imagine my surprise when I logged in yesterday to combine the accounts, to find a $2k increase on my QS and a $4k (!) increase on my crap $500 QS1. In the midst of my disbelief, I quickly rolled the QS1 (6 months + 1 day old, to be exact) into my QS to gain my now second 5 figure limit card.
Cap1 isn't for everyone, but they've treated me VERY well over the years, and especially lately. For anyone just starting out on their build/rebuild journey, do not hesitate to use them if they're your best option - treat them well, and they WILL return the favor. This experience once again reaffirms my countless thanks for the amount of knowledge and time the members of this board contribute - you've helped me more than I could ever imagine, and I look forward to (hopefully) being able to do the same!
Glad Cap One came through for you. They are really trying hard for their customers these days and glad they did for you also. Enjoy your CLI..
I absolutely LOVE Cap1!! They have also been instrumental in my credit rebuild. I also started with the secured card 4 years ago and now I have a Venture CL $15k and a QS CL $3k.