Capital One Credit Steps

[CostantinoA]

Hello:

I keep seeing in posts about the Capital One Credit Steps program?  What is that?  I have a capital one secured.  Can someone please tell me more.

[OmarGB9]

It's a program that usually all the rebuilder cards are enrolled in whereby you get a guaranteed CLI after showing some usage and making 5 on time payments. The amount of the CLI can vary.

[CostantinoA]

Which Capital One card is the credit steps? I would like to look more into this.  I have the Capital One Secured.  Is this the same thing?

[Anonymous]

---

@CostantinoA wrote:

Which Capital One card is the credit steps? I would like to look more into this.  I have the Capital One Secured.  Is this the same thing?

---

Although the secured card can receive increases, it has not to my knowledge been considered part of credit steps. I know for sure the Quicksilver One and possibly the Venture one are. I have both the secured and the QS1. On the QS1, after having it for a few weeks I received a letter stating that if I made my first five payments on time I would receive a $250 increase (taking my card from the $500 starting limit to $750). I was never given that info with my secured card, however, my secured card was given a CLI of $300 after the 6th statement cut. Also, I received a $1000 increase on my QS1 after my third statement. I will still receive another increase at my 6mo mark...because that will be my credit steps increase. 

[OmarGB9]

---

@CostantinoA wrote:

Which Capital One card is the credit steps? I would like to look more into this.  I have the Capital One Secured.  Is this the same thing?

---

Credit Steps isn't a card. Lol. Like I said, it's a program rebuilder/starter cards are automatically enrolled in. AFAIK, the Platinum, QS1, and QS all enroll you in credit steps automatically after opening the card.

[CostantinoA]

Hmm. So I have a Capital One Secured.  Do I need to call and ask for the credit steps or they offer it?

[rockbttm442]

The secure card isn't part of credit steps. As stated above its only the Platinum, QS1, and QS. If you e had your secure card for at least 6 months check the prequal site and see if the QS1 is there if it is apply for it then cancel the secure and get your deposit back.

[OmarGB9]

^This. You can't call and be enrolled. The account is opened with it.

[icyhot]

The Journey card is in it too. If the terms of the card say "access to a higher credit line" before you apply then the card is in credit steps

[CostantinoA]

thank you