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Capital One Secured CLI!!

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Regular Contributor

Capital One Secured CLI!!

Just logged in to my Cap One secured account to make a payment and saw that my credit line is now $550, up $300 from the inital $250 I deposited back in Sept!! I'm really quite happy, as I requested a CLI a week ago and was denied with the reason being they don't do CLI's for secured cards. LOL.

Total Available Credit: $145,950   ||Feb 2018||EQ08-705||EX08-728||TU08-741||



Message 1 of 31
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Established Contributor

Re: Capital One Secured CLI!!

Congrats on your Cap1 CLI. They do give CLIs on secured cards. Back when I had a secured Cap1 secured card, I got an auto CLI - but closed the card since I didn't need it anymore.


Starting Score: EX:570, 8/2011
Current
Scores(8/30/18):
EX08:850; EQ08:850,
TU08:847
Inqs(12 mo): EX/0, EQ/0, TU/0
Goal Scores: 800+
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Message 2 of 31
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Super Contributor

Re: Capital One Secured CLI!!

Congrats on the CLI



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 3 of 31
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Senior Contributor

Re: Capital One Secured CLI!!

Congratulations!

Keep both your credit and your body in top shape!


Message 4 of 31
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Valued Contributor

Re: Capital One Secured CLI!!


@Method2Madness wrote:

Just logged in to my Cap One secured account to make a payment and saw that my credit line is now $550, up $300 from the inital $250 I deposited back in Sept!! I'm really quite happy, as I requested a CLI a week ago and was denied with the reason being they don't do CLI's for secured cards. LOL.


Congrats. My two cents is this. If Cap one Was confident enough to give you a CLI on a secured card, it means your credit profile is really rising. Maybe check the pre qualified sites to see how they see you also. Good Luck

Message 5 of 31
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Frequent Contributor

Re: Capital One Secured CLI!!

Congrats!!  Good luck on your continued building path.



FICO8 800+, Refinance to remove PMI, Chase CSP in June
Message 6 of 31
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Valued Contributor

Re: Capital One Secured CLI!!


@Method2Madness wrote:

Just logged in to my Cap One secured account to make a payment and saw that my credit line is now $550, up $300 from the inital $250 I deposited back in Sept!! I'm really quite happy, as I requested a CLI a week ago and was denied with the reason being they don't do CLI's for secured cards. LOL.


Congrats on your CLI!  It's true that Cap One doesn't allow customers to request a CLI on a secured product but they do the automatic CLI if you've been treating the card well, which obviously you have.  Awesome Smiley Happy  Now if you don't have one, you may want to start slowly looking into getting an unsecured product with Cap One instead. Smiley Happy

Message 7 of 31
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Frequent Contributor

Re: Capital One Secured CLI!!

How long did you have your card before they did the increase?

Current Ficos as of 01/2017 Equifax 640, Transunion 690 Experian 690 Mortgage middle score of 677
Message 8 of 31
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Regular Contributor

Re: Capital One Secured CLI!!

5 months.

Total Available Credit: $145,950   ||Feb 2018||EQ08-705||EX08-728||TU08-741||



Message 9 of 31
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Frequent Contributor

Re: Capital One Secured CLI!!

congrats!! i have the same card and also the unsecured QS1 that im hoping to grow....we are making big steps a day at a time. Enjoy!! 

Current Ficos as of 01/2017 Equifax 640, Transunion 690 Experian 690 Mortgage middle score of 677
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