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Cap1 Credit Steps CLI

Established Contributor

Re: Cap1 Credit Steps CLI

I have two Cap1 cards. My first one started at $300 and got bumped to $500 at the 6-month mark. It's now been 11 months and it's still at $500. I am not expecting another CLI when it reaches the 1-year mark.


My second Cap1 card started at $500 and is enrolled in the credit steps program. I'm assuming that at the 6-month mark it will increase to $750. I'm not expecting anything further beyond that.



Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.

Message 11 of 14
Established Contributor

Re: Cap1 Credit Steps CLI

I'd keep the card even if it doesn't increase after a year so you continue to build more history with them and maybe one day apply for one of their prime cards e.g. Venture or Platinum

Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
Take the FICO Fitness Challenge

Message 12 of 14
Regular Contributor

Re: Cap1 Credit Steps CLI

If they don't increase it any further it's going to have to go.  This card carries an annual fee that I don't need to pay now.  I have better cards with better limits.  If they waive the fee or let me PC (unlikely) then maybe I'll keep them.  I won't apply for another one of their cards.  There is no reason a credit card company needs to do 3 hard pulls on someone's credit report. 

Starting Score: 7/12/11 TU 584 EQ 541
Current Score: 05/12 TU 688 TU (WM) 716 EQ 683
Goal Score: 720

Take the FICO Fitness Challenge
Message 13 of 14
Mega Contributor

Re: Cap1 Credit Steps CLI

tjmmp56 wrote:

My 6th Statement cut on Jan-15.  And with it came my bump from $500 to $750.  I'll keep using the card as I have been, for gas purchases.  Let's see if there are more increases to come by continung to follow the steps.  Seems to be a coin toss on this card. 

I'm in the same boat as you, i'll keep this thread bumped for any CLI's. Same dates and all!!

EQ FICO 548 3/3/16
Message 14 of 14