Capital One CLI, set in stone?

[Anonymous]

So, the capital one app shows that I've successfuly made 5 concecutive payment, and as a result they're processing my higher credit line.  My current line is 3k, it says they're bumping me up to 3.5k.  Is this the actual amount of the increase or the minimum that i'll see?  I've put a lot of use on this card over the past few months and I've been PIF or mostly PIF (carried a small balance one month).  Card currently has a zero balance.  Just wanted to know if this bump to 3.5k is set in stone, or if I could expect more, or if theres anything I can do to get a higher line.

Thanks!

[FinStar]

The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

[Anonymous]

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

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Wow.  Super lame, lol

[Nomad3]

Yeah, the steps program just gives you 500 (or w/e they offered) but if they like yoir spend/etc it can easily go higher. I got a 1k CLI 4mo after my steps

[Anonymous]

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

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That's actually not correct. It's the minimum. Heavy use can be up to a $3K steps CLI as we have seen a few times here. 

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

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That's actually not correct. It's the minimum. Heavy use can be up to a $3K steps CLI. 

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In all fairness the OP did not elaborate on the type of spend on their card and I'll go as far as saying that with very, very few exceptions some individuals have been known to possibly get higher.  The best bet is to level set expectations since you don't see every credit steps profile being approved for anything higher than the stated amount. 

[Anonymous]

A few years ago... maybe 2-4... there were a lot of people getting more than the initial stated limit. Example some started out with $300 and were to go to $500 after steps but cycled so much through their card that capital one increased their limit to around $3000 or so...

As of this past year they tightened up a bunch and more or less stopped doing that. The credit limit they state is pretty much the limit you get.

This being said, it’s possible to grow cards that are lower tiered. I have a QS1 that started at $500 went to $750 after 6 months and at the year mark jumped to $2250. So while it’s still a lower limit it did grow $1750 in a year.

If that’s a card you like you can try your luck and cycle a lot through it & hope for the best otherwise when that card is done with steps and your profile improves move on to other cards better for you. Either way good luck with it!

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

---

That's actually not correct. It's the minimum. Heavy use can be up to a $3K steps CLI. 

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In all fairness the OP did not elaborate on the type of spend on their card and I'll go as far as saying that with very, very few exceptions some individuals have been known to possibly get higher.  The best bet is to level set expectations since you don't see every credit steps profile being approved for anything higher than the stated amount. 

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I agree but it's false to say that it won't go any higher. It's not likely to do so but it does for some people. Criteria to get larger steps increases doesn't really seem easy to figure out. Seen people who just throw a recurring $10 charge get $3000 and people who spend thousands a month get $500. 

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

---

That's actually not correct. It's the minimum. Heavy use can be up to a $3K steps CLI. 

---

In all fairness the OP did not elaborate on the type of spend on their card and I'll go as far as saying that with very, very few exceptions some individuals have been known to possibly get higher.  The best bet is to level set expectations since you don't see every credit steps profile being approved for anything higher than the stated amount. 

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I agree but it's false to say that it won't go any higher. It's not likely to do so but it does for some people. Criteria to get larger steps increases doesn't really seem easy to figure out. Seen people who just throw a recurring $10 charge get $3000 and people who spend thousands a month get $500. 

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Nothing was falsely stated.  It's based on DPs established in the Approvals section and countless others in both Credit Card and Applications subforums.  Perhaps for the OP's specific situation it may be set in stone based on their own profile.  For other situations, more the exception than the rule.  Notwithstanding, the OP can confirm their results when they obtain their credit steps CLI, and will be another DP for the forums. 

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:
The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less) provided you meet all the credit steps conditions.

---

That's actually not correct. It's the minimum. Heavy use can be up to a $3K steps CLI. 

---

In all fairness the OP did not elaborate on the type of spend on their card and I'll go as far as saying that with very, very few exceptions some individuals have been known to possibly get higher.  The best bet is to level set expectations since you don't see every credit steps profile being approved for anything higher than the stated amount. 

---

I agree but it's false to say that it won't go any higher. It's not likely to do so but it does for some people. Criteria to get larger steps increases doesn't really seem easy to figure out. Seen people who just throw a recurring $10 charge get $3000 and people who spend thousands a month get $500. 

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Nothing was falsely stated.  It's based on DPs established in the Approvals section and countless others in both Credit Card and Applications subforums.  Perhaps for the OP's specific situation it may be set in stone based on their own profile.  For other situations, more the exception than the rule.  Notwithstanding, the OP can confirm their results when they obtain their credit steps CLI, and will be another DP for the forums. 

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"The amount they provided with your initial credit steps disclosure is the amount your account will receive (no more, no less)"

That's an absolute when we have seen cases of people receiving more. That's why I said it's false.