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Calling all CAPITAL ONE Credit Steps People !!!

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Anonymous
Not applicable

Re: Calling all CAPITAL ONE Credit Steps People !!!


@Anonymous wrote:
Wow!!! How much did you let report ?

It varied month to month, sometimes less than $100, other times several hundred. Back then I never paid attention to paying before statement cuts, so basically whatever I charged that month would report.

Message 11 of 38
Chris0321
Regular Contributor

Re: Calling all CAPITAL ONE Credit Steps People !!!

I got both of my Cap1 cards at the same time. The platinum and the QS1. With both cards i pushed the love button and got a 500.00 increase on them and have not done anything since. Both cards have since been increased to 1300.00 and i have had these cards since December of 2014. Waiting to see what happens now that I am done with credit steps.

Starting Score: MyFico EQ: 499, EX: 535, TU: 534 Dated: 1/16/2015
Current Score: MyFico EQ: 650, EX: 669, TU: 675 Dated: 5/11/2015
Goal Score: 700+
Chase Amazon Visa $2K | NFCU nRewards Visa $8K | NFCU cashRewards $2K | NavCheck $15K | Barclays Apple Rewards Visa $1500 | Cap1 Quiksilver $600 | Discover iT $1500 | Cap1 Platinum $2600 | Victoria Secret $1,950 | Kohls $700 | Amazon Store Card $5000 | Walmart Credit Card $3500 |
Effective Immediately, 6/26/2015, I have officially become a GARDNER..
Message 12 of 38
Anonymous
Not applicable

Re: Calling all CAPITAL ONE Credit Steps People !!!

How soon did you get the $500 on LUV??
Message 13 of 38
Chris0321
Regular Contributor

Re: Calling all CAPITAL ONE Credit Steps People !!!

I got the 500 on both cards after three months. then waited til the 6 month and got AUTO CLI to 1300 on each

Starting Score: MyFico EQ: 499, EX: 535, TU: 534 Dated: 1/16/2015
Current Score: MyFico EQ: 650, EX: 669, TU: 675 Dated: 5/11/2015
Goal Score: 700+
Chase Amazon Visa $2K | NFCU nRewards Visa $8K | NFCU cashRewards $2K | NavCheck $15K | Barclays Apple Rewards Visa $1500 | Cap1 Quiksilver $600 | Discover iT $1500 | Cap1 Platinum $2600 | Victoria Secret $1,950 | Kohls $700 | Amazon Store Card $5000 | Walmart Credit Card $3500 |
Effective Immediately, 6/26/2015, I have officially become a GARDNER..
Message 14 of 38
Anonymous
Not applicable

Re: Calling all CAPITAL ONE Credit Steps People !!!

I was approved for a $3k Quicksilver in February and requested an online CLI earlier this month (4 statements), was approved at $7500. 

 

I spent heavily and PIF prior to statement close every month except for a 100-250$ balance to report. 

 

I think my TU at app was around 620s. Am now in 630-640 range. I also have an old CapOne platinum card that I've never really used heavily but have kept in good standing for at least 7 years or so.  Still waiting to see if I'll get a credit steps CLI as well. 

Message 15 of 38
Pway
Valued Contributor

Re: Calling all CAPITAL ONE Credit Steps People !!!

I used my Capital One cards heavily.  I began using them as soon as I received them in the mail.  I was approved my QS1 500, then I hit the luv button after my third statement and I got a 1k increase.  When the credit steps time came I was given an additional 500.  My QS1 sits at 2k and my Platinum sits at 1,100.  Approved for 500 as well. 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 16 of 38
joeyoey
Frequent Contributor

Re: Calling all CAPITAL ONE Credit Steps People !!!

Mine started out at $500 last April.  On the 6th month they increased me to $3500.  A few months after that they increased it to $5000 & a few after that they bumped me to $7000.  I'm hoping by October or so I can do another CLI request & maybe they'll finally increase me to my first $10k card.



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

Take the myFICO Fitness Challenge


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Message 17 of 38
Anonymous
Not applicable

Re: Calling all CAPITAL ONE Credit Steps People !!!

joey - great name ! :-)  Do you mind sharing your starting and current scores?  I'm trying to get na idea of how CAP ONE does CLI...if its soley basedo ff use of their accounts (Heavy usage / Heavy paydown) or overall CR .... do they soft pull monthly ?  Thank you !

Message 18 of 38
Anonymous
Not applicable

Re: Calling all CAPITAL ONE Credit Steps People !!!

Excuse typos !!!!

Message 19 of 38
joeyoey
Frequent Contributor

Re: Calling all CAPITAL ONE Credit Steps People !!!


@Anonymous wrote:

joey - great name ! :-)  Do you mind sharing your starting and current scores?  I'm trying to get na idea of how CAP ONE does CLI...if its soley basedo ff use of their accounts (Heavy usage / Heavy paydown) or overall CR .... do they soft pull monthly ?  Thank you !

haha...you too.  :-)
I'm trying to remember but I think my score was around 640 or so when I got the card.  I wouldn't say I used it heavily but probably 2-3 times a week.  Some months I paid it off but most times I probably kept a balance of 20-25%.  My current scores are around 670-680.  They'd probably be way higher but I have a few cards that are pushing 50% & everytime I think I'm going to get one paid off, something comes up.  lol  Oh well...hopefully by the end of the year.  Smiley Happy

 



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

Take the myFICO Fitness Challenge


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Message 20 of 38
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