CAP1 Product change success

[Albert_E63]

I been with Cap1 for a few months and started with a 500 SL and got a CLI of 100 Dollars !! but i also been trying to product change and finally got it the platinum to the Quicksilver 1.5 back on everything but now my question is should i try to get another CLI before i get my CLI from the Credit step program or just wait 6 months ? 

[Anonymous]

I would call Cap One. But I would think since you just got the product-change, you should wait 6 months to request a CLI. My husband has a Cap One Quicksilver, and he had to do the same thing. YMMV

[Brian_Earl_Spilner]

Pretty aure you can only get 1 increase before the steps. But try it, worst they can do is deny it. No hp.

[Anonymous]

True that. Cap One is not like Citi, OP, so you can try your luck and not risk anything.

[egghead88]

You can do a CLI for new accts after the 3 statement cuts, then its every 6 months. The only exception is the auto credit steps CLI after the 5 statement. 

[Brian_Earl_Spilner]

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@egghead88 wrote:

You can do a CLI for new accts after the 3 statement cuts, then its every 6 months. The only exception is the auto credit steps CLI after the 5 statement. 

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Totally forgot about the 6 month waiting period and was coming back to post that. The steps increase is the only increase they offer that the rule doesn't apply to. I guess combining accounts is another one since you can get a CLI, then combine.

[HeavenOhio]

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@Anonymous wrote:

I would call Cap One. But I would think since you just got the product-change, you should wait 6 months to request a CLI. My husband has a Cap One Quicksilver, and he had to do the same thing. YMMV

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A product change doesn't affect your ability to receive CLIs. Perhaps you're confusing this with account combinations, which do delay your ability to request and recieve a CLI for the next six months.

[Albert_E63]

I mean i got a CLI of 100 dollars like a month ago and but i saw i had a offer of a product change with the link from one of the thread here and before doing it i asked if it would vold my credit setps and the rep told me no and i could try to do a CLI there isn't a wait period 

[HeavenOhio]

A product change doesn't change anything except for the rewards structure, the verification number on the back of the card, possibly the expiration date, and the annual fee (if applicable).

[Brian_Earl_Spilner]

The rep was wrong. Any CLI needs to be 6 months from the last CLI or account combination as that also counts as a CLI.