CLI on Capital One

[Anonymous]

I can speak as to my experience with Cap1 Plat -

Your datapoints seem accurate.  Soft pull every three, CLI at 5-6 months, then again about year later, and a year later.  

I started at $400 secured, and now am at 2700 unsecured, over three years, never asking THEM for a CLI.  High utilization - usually 90% until very recently.

[Anonymous]

I started with the platnium feb 1st 2018 with a starting line of 500 unsecrured with i beleive a 640 acrossed the board. After 3 months I requested a cli before steps program started and they gave me 100. after the fith statement (steps completed) it went to 750. Soon as i hit 7months i was able to PC to the quick silver platnium no af. Then at my 1 year mark they gave me 1500 cli. So now it is 2250. I also have the qs1 which i started with before i got the platnium also now at 2250 it hits 1 1/2 next month on it but same increase pattern so far for both. thats been my story with cap one so far credit scores now are 680 across the board now. Hope that helps.

Regards,

[Anonymous]

It's possible to PC/upgrade it to regular QS. I did that 3 months after having the card.

[Anonymous]

Laurachrissy,

I'm interested in your comment about being able to see SPs on your Equifax report. Is this your FreeCredit Report, or are you subscried to Equifiax? I'm subscribed to Equifax but cannot find where it shows my SPs to save me - any guidance you can provide?

Thank you!!

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@GApeachy wrote:

Not an answer but I wanted to share a smidge of recent info... right before my 4th stmt cut last week I app'd for cli early, before the 5 month steps were up, and the letter came yesterday stating I did not use enough of my credit to merit an increase.  I don't even think they sp'd me because my Equifax report shows sp's and the last one Cap1 had done on me (review) was a month ago.  Anyhow, just thought I'd share my failure (due to lack of heavy use) to maybe go along with anyone else data points.

edit to add:  $500 plat, started end of Oct 2018

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