Cap1 Auto CLI (Credit Steps + ) and PC

ProV · ‎05-16-2014

I received my Cap1 Platinum MC in December (Pre-Approval w/ 595 EQ) and a $300 CL (set to step up to $500 after 5 statements/payments). Logged in this morning to check it, and BAM! my $300 went to $1,800. I found MyFico.com after getting this card, and have worked on my report a bit.. increasing overall available credit from $1,300 to ~$35k now. My EQ has gone up to 699(was 700 for 4 or 5 days) since then.

Just got off of Secured Chat with Cap1, and asked for a product change to Quicksilver which was instantly approved. No Fee Version

now just a week for my AMEX 61 3x, and I'm good for a while! Big thanks to everyone here for the advice and info!!

myjourney · ‎05-16-2014

Congrats on the CLI and PC

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

xsvspd · ‎05-16-2014

Very nice! I have the same cap1 credit steps card I got in Feb this year, it started at 3k, so I'm hoping for some big love! My overall CL went from ~6k to ~41k this week, and my cap1 auto love would just be icing on the cake! Did you use your cap1 card heavily since you got it? PIF? Carry a balance? I also want to PC as soon as it graduates!

Hover over card to see limits

Starting score 3/2013 - 585. Score as of 5/2014 - 725.

alvon123 · ‎05-17-2014

Well done!!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

CreditHealthy · ‎05-17-2014

Congrats!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

ProV · ‎05-17-2014

@xsvspd wrote:
Very nice! I have the same cap1 credit steps card I got in Feb this year, it started at 3k, so I'm hoping for some big love! My overall CL went from ~6k to ~41k this week, and my cap1 auto love would just be icing on the cake! Did you use your cap1 card heavily since you got it? PIF? Carry a balance? I also want to PC as soon as it graduates!

I used fairly heavy the first couple months, PIF twice a month or so.. then, after getting a few other cards, I would put about $200 a month on it, and PIF. I had a couple months where I reported between $15 and $70.

xsvspd · ‎05-17-2014

Thank you for the info!

Hover over card to see limits

Starting score 3/2013 - 585. Score as of 5/2014 - 725.

coldnmn · ‎05-17-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

gdale6 · ‎05-17-2014

Nice, enjoy the PC & CLI