CapOne Credit Steps question about limit

[Shellie]

Does anyone know what the cap is for this card? I thought I red somewhere that once you made it to the $750 mark that they didn't raise your limit any more.  Surely that isn't the case!  I just recently got my bump from $500 to 750.  I had to wait the 10 statements tho bc one of their customer service reps didn't know what they were talking about and I believed them.  I made my payment after 5pm on the due date.  They assured me it wouldn't affect my CLI's.  They were wrong.  Also does anyone know of or has had success with a backdoor number or CEO email for CLI's?  If so PM me if you don't mind.  Thanks in advance.

[Mysticuno]

Hi Shellie - My CL was just doubled from $300 today ($600) and have only had the card less than 3 mos. I was declined via the Luv button but emailed the EO which you can Google "Capital One Executive Office" or put it into the Fico search forum. If I were you I would definitely try the EO backdoor to see if they can help. Good luck!

[Shellie]

I've had one of my CapOne's since 08/2012 and it went from $300 to $500.  I got a bump tp $600 last month.  Second card was opened 05/2013 with $500 CL.  Was upped to $750 earlier this month.  My score are stagnant and don't move hardly any.  I recently paid my UTL from about 60% to below 40% (I know still too high).  I have a perfect payment history with them.  I will try to find and EO email and see what happens.  How do you word that letter??

[notfancy]

Some people in credit steps got bumped over the amount they were promised simply by having really good habits. You'll see a lot of posts about it in the credit approval forum.

I have also gotten CLIs from my card after I completed the credit steps.

[myjourney]

I have went the EO route twice 

Both times it was friendly and professionally handled by them.

I have no complaints and liked the results both times.

I really think they're trying to change their business model but with every large company it will time time.

[Shellie]

I emailed the EO Monday.  No reply as of yet.  I carried a high balance for a few months but they are paid down now to about 30% on one and 60% on the other.  I asked for the bump on the card with lower UTL.  I will have these paid down in the next couple months to an ideal UTL.

[39Xelor]

Credit Steps used to be a done deal. You went up to $750 and then stopped.. Now, it's different.. although the credit steps program still technically "stops" at $750, you can eaisly get a hold of the EO and request to be taken out and have your line increased!

[amkari]

I got started with a $300 credit steps card 2 yrs ago... Instead of a $200 increase at 6 mos I received a $2000 increase.

My Orchard was a $500 card from day one and since transitioned to Cap One.

Yesterday I asked for (and received!) CLI on both cards via the "luv button". I got $3000 on the first card for a total of $5300 and $500 on the second for a total of $1000.

Usage on the smaller card was constant... Daily expenses, PIF (or nearly so) every a weeks. Usage on the larger card was less because of higher interest and less cash back at first. It ended up maxed during the holidays and a balance was carried all last year. I paid them both to $0 with my tax refund and had the larger card back to $2000 balance (old medical bills about to hit collections and my son's birthday) when I requested the increase.

I think I stared at my computer in shock and disbelief for about 15 minutes... I'm still shaking my head (and planning to hide the larger limit card to avoid any temptation lol).

In the meantime I've set all possible bills to auto pay with the CC and set auto payments on the cards for every biweekly payday.

[Shellie]

My first card with them was opened 08/2012.  It has hit $600.  I started wtih $300 and it jumped to $500 and then I got a $100 CLI via luv button a couple months back.  Second card opened 05/2013 opened witn $500 and hit the $750 mark in Feb.  I tried the EO route and was told no on both cards because I have too many new revolving accounts and too many accounts with a balance.  My latest payments haven't updated yet so it shows me at 60% UTL and 8 out of 10 cards with a balance.  By this time next month I will have 5 of the 10 with a $0 balance and my UTL shouwld be 25% or lower.  May try to squeeze in a couple payments between now and then.  I plan to try again in about 2 months when my UTL is down and i have fewer cards carrying a balance. We will see what happens! 

I still have 3 unpaid medicals, trying to PFD these, 1 tax lien and one paid collection.