Capital 1 QS 1 CLI &2 month w/ data

[Anonymous]

Hi all,

My 3rd statment cuts on 3/23, I just paid my full balance ($480) and requested a CLI and was aproved for $600 - a $100 increase. Although it is not huge, I'll take it! 

Was reading another thread here where a user posted about how you could request a CLI daily if you wanted to, I figured why not try and it worked!

Data points below;

I have a Capital 1 secured $501 CL (12mo), QS1 $500 CL (2 mo) and a Credit One $400 CL (2 mo) current util 27% ($2 on secured, 480 on qs1, 0 on credit one) 

$1300/$2250 in personal loan debt

TU FICO 8 - 615, EQ 625, EX 633 (or maybe eq/ex reversed)

3/15 Applied for and approved NFCU Go Cash $1300 CL 17.49%

Other relevant details;

*   2 weeks ago I requested a CLI and was declined, if I recall something about account to new.

*   I recieved only 1 CLI on my secured card, at the 3 month mark and nothing since

*   Until 2 weeks ago I carried a high util ranging from 45%-90%!! Thank you for the kind lessons thus far

*   I am eager to see next score boost after QS statment on 3/23 and whenever NFCU shows open. Will only report $2/$2800 - or 1%. 

Thanks again for everything, you guys and gals are amazing.

[rmduhon]

You can request a CLI daily at Cap1 since it's a SP, but you'll only get approved every 6 months, with the exception of 1 CLI before you get the Credit Steps CLI on the 6th statement.

[Anonymous]

So I should have waited until my score boost coming next week or three to ask for CLI since I am stuck for another 3 months? - Awesome lol.

Does everyone get "credit steps?"

[Anonymous]

Cap1 cards with an AF are normally in credit steps. If you didn't receive an email stating you were, you can jump on chat and ask.
As far as scores and CLIs, they tend to use scores that are 2-3 months old when requesting

[Anonymous]

Intersting - good info thanks.

I scoured email box, nothing about credit steps. I can't seem to get the chat button to show up. I'll try to call them Monday.

Thanks again,

[My_Fako]

Cap1 likes heavy usage and big payments. Almost max your limit every month & pif. I bet after 6 months of that. You'll see a nice increase.