Cap One Platinum Future CLI

[Anonymous]

Good Morning and Happy Thursday! Yesterday, my husband got an email form Capital One saying he can have a future CLI from Sl of $3,000 to $3,500 after paying five payments. He opened this account December 2018. I myself never have those offer for future, only Auto CLI or I requested them myself. I guess this is a new thing for new accounts?

(Feel free to move this to the correct topic, Thank you!)

[FinStar]

IIRC, these are accounts that are enrolled in the credit-steps program. The latter has been around for years and is typically available to any of their core cards as well as PLCCs (Sony, GM Buypower, etc.).

[HeavenOhio]

OP, tell your husband to request a limit increase about a month before his scheduled Steps increase. He should take whatever they offer. This won't affect his Steps increase. However, his Steps increase will preclude any more CLIs for six months.

[Anonymous]

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@HeavenOhio wrote:

OP, tell your husband to request a limit increase about a month before his scheduled Steps increase. He should take whatever they offer. This won't affect his Steps increase. However, his Steps increase will preclude any more CLIs for six months.

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Got it, so after the 4th statement cuts?? Thank you!
I hope he'll allow me to because he thinks I'm addicted to credit stuff LOL. If it wasn't for me he won't even have an SL of 3K for his very first card in US

[MakingProgress]

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@HeavenOhio wrote:

OP, tell your husband to request a limit increase about a month before his scheduled Steps increase. He should take whatever they offer. This won't affect his Steps increase. However, his Steps increase will preclude any more CLIs for six months.

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There is also the possibility of him getting more than the $500 CLI after his steps increase.   I was scheduled for a $500 steps CLI and Cap One gave me a $3000 CLI at that time. 

[Anonymous]

Wow! that felt nice I bet!! Did you ask prior like the advice before you? Or you just let it auto CLI of $3K?

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@MakingProgress wrote:

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@HeavenOhio wrote:

OP, tell your husband to request a limit increase about a month before his scheduled Steps increase. He should take whatever they offer. This won't affect his Steps increase. However, his Steps increase will preclude any more CLIs for six months.

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There is also the possibility of him getting more than the $500 CLI after his steps increase.   I was scheduled for a $500 steps CLI and Cap One gave me a $3000 CLI at that time. 

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[J-F168]

My first cap1 card was approved for 3k, after 4-5 months to 3.5k, six months later to 6.5k. 

[CivalV]

Thats a pretty decent SL for a Cap 1 Plat with credit steps. I helped my mother open her first Cap 1 QS1. After her 3rd statement cut I requested a CLI. They gave her $100 and because she is also in credit steps she will still be upped to $500 in March.

[HeavenOhio]

If they gave her $100, she might be upped to $600.

[FireMedic1]

OP you might want to edit your pic. You name is in it.