@jsucool76 wrote:
My account is only 7 (almost 8) months old, just got my credit steps CLI. I'll probably hit them up at 10 months or a year. They're currently my highest limit. Cap1 has been great to me. I have another offer on my account to upgrade to a venture card which I'm going to take after I get my annual bonus.
Like other posters are saying give them a call!!! Fingers crossed for ya!
+1 fro the exec office route.
I think if you hit up the exec office right at the 6 month mark, you can do better than the 250 auto CLI.
Just keep the util low and have a nice pretty picture for them to look at when you go the exec office route. 
@jsucool76 wrote:
Sorry to hijack your thread OP. Ill try at the end of the week when I'm done with midterms.
Thanks for the advice all.
@Anonymous @Anonymous:i just didnt want to be the person we used to describe in the EO thread; calling/emailing the EO after only having my account a short time.
I understand, but if it benefits you and its not illegal why not go for it.
@Anonymous wrote:+1 fro the exec office route.
I think if you hit up the exec office right at the 6 month mark, you can do better than the 250 auto CLI.
Just keep the util low and have a nice pretty picture for them to look at when you go the exec office route.
So do they look at historical util% when deciding? Cause it seems to make sense to me that if I were using my card a lot every month say approaching the CL and then either paying in full or paying most of it every month so the balance went back to 0 again then I could come to them a "need" a CLI more than if I just hardly used it and kept util% at say like 8% all the time. I hear mixed things about Capital One. It seems there is one camp that says Capital One is a great tool to pull yourself out of bad credit but not the place to be longterm for CLIs and to add a "prime" card as soon as your credit improves enough to get one. The other school seems to believe that Capital One is no different than anyone else and can be worked for nice CLIs no problem. My credit goal is to rebuild my credit long term not just the score but my reports as a whole. I don't anticipate needing a lot of credit in absolute dollar terms. In fact I am a strong believer in living below my means and have only gotten credit cards as a means of improving my credit. I figure I don't need credit now but someday I might and I feel like improving my credit will improve my self esteem which I am told is a little lacking. I'm in a 12 step program for addiction and part of my recovery is to get honest about any debt and stay that way in the future. Some people knock 12 step programs but they have given me a path to become a better person and that path has led me here to improving my credit score.
I guess my point is that I don't really feel I need to be really aggressive at increasing my CLs. I am more focussed and aggressive at trying to get baddies taken care of. Thank you to everyone who has responded to this thread however. I have learned a lot. I thought before reading all these responses that Capital One basically gave people this one bump in CL only if they were signed up for the Credit Steps Program as part of soime limited time promotion for their cards. I figured since I hadn't heard anything about this promotion when I applied that I had somehow missed the boat on it. So I was verey excited to get the letter explaining the program and am even more excited to hear about so many people's success on here at getting their CL increased even more. That is awesome.
