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Cap1 Platinum CLI (And now a surprise end of year PC to QS!) PLUS CREDIT STEPS DP

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Regular Contributor

Cap1 Platinum CLI (And now a surprise end of year PC to QS!) PLUS CREDIT STEPS DP

Third statement just cut so I decided to hit the luv button. $300 CLI to $3,300 total CL. Was supposed to go from $3k to $3.5k in March. I guess it will be $3,800 now? (credit steps)

 

EDIT 12/31

I've been checking the product change link from these forums pretty much every night. Tried last night and it wasn't available. Tried today after work and BOOM! There it was... Nice finish to 2018.

 

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UPDATE 3/13

My Credit Steps CLI kicked in today and was only the $3500 total CL they had promised. So my $300 CLI I got at month 3 did not make my Credit Steps CLI $3800 like it would have previously. The double-dipping is over.  Smiley Sad

 

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Message 1 of 15
14 REPLIES 14
Community Leader
Valued Contributor

Re: Cap1 Platinum CLI

Congrats! Cap 1 usually won’t increase your credit limit if it has already been increased in the last 6 months, so even with Credit Steps you may not get your planned CLI in March.
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Message 2 of 15
Regular Contributor

Re: Cap1 Platinum CLI


@pinkandgrey wrote:
Cap 1 usually won’t increase your credit limit if it has already been increased in the last 6 months, so even with Credit Steps you may not get your planned CLI in March.

I will update this thread in March as to whether I got another CLI or not.

Message 3 of 15
Valued Contributor

Re: Cap1 Platinum CLI

Congrats!!

 

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Message 4 of 15
Community Leader
Mega Contributor

Re: Cap1 Platinum CLI


@gorgon wrote:

Third statement just cut so I decided to hit the luv button. $300 CLI to $3,300 total CL. Was supposed to go from $3k to $3.5k in March. I guess it will be $3,800 now? (credit steps)


 

Yes, it will  be. The CLI you requested will not interfere with steps increase.

After you receive steps increase, you may request CLI every six months 

Message 5 of 15
Super Contributor

Re: Cap1 Platinum CLI


@Remedios wrote:

@gorgon wrote:

Third statement just cut so I decided to hit the luv button. $300 CLI to $3,300 total CL. Was supposed to go from $3k to $3.5k in March. I guess it will be $3,800 now? (credit steps)


 

Yes, it will  be. The CLI you requested will not interfere with steps increase.

After you receive steps increase, you may request CLI every six months 


+1 I got CLI's on my old RIP Plat/QS and QS1 and then they both got the $500 Credit Steps Increase too. Congrats OP! Started the same way!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 6 of 15
Senior Contributor

Re: Cap1 Platinum CLI

Congratulations on your CLI!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

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Message 7 of 15
Established Member

Re: Cap1 Platinum CLI

Although Cap1 has a strong history of giving a CLI at the 3rd statement and then adding the steps increase onto that, I saw three posts through searching this forum stating the policy has been changed, and one poster was told directly by a CSR that they now deduct the first CLI out of the credit steps, so you only end up with the original increase. CSRs aren't always knowledgable, so I didn't know what to expect after I got my Cap 1 in May. I got a CLI after the thrid statement for $100. When my steps were completed last month, the $100 was indeed deducted from my steps, so I got the orginial $500 as promised in total.

 

Based on my experience and some others, I think there has been a recent change in Cap1 policy as the CSR said. Let us know what happens.

Message 8 of 15
Valued Contributor

Re: Cap1 Platinum CLI

Congrats!!!👏👏👏

👍

😊




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Goal Score: 650(within a year)


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Message 9 of 15
Regular Contributor

Re: Cap1 Platinum CLI

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Looks like there may be a possibility that the CLI before credit steps may indeed be deducted from your scheduled increase. Cap1 updated the chart to show that my credit line is now $3300 and will still only go up to $3500.

Message 10 of 15
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