Well, I have two cards with them: MC/ and Visa. They both started out in Credit Steps three years ago. with a CL of $500.00. Until now, I got all of hte CLI that I ever got from them in that same year.. Visa went to $1800.00 (where it is now) - MC went to $1000.00 - I missed out on antoher $500.00 increase when I had a late payment. I have had the Visa longer and no late payments, but I am always denided CLis on it. It was great to get the $1500.00 initial increase and certainly another took me over the top. I do not like that they CLD me, but it could have been worse. They left $850.00 of the second CLI - I am certain that it was because if they had not, they would have put me over my limit, as I transfered a balance from HSBC. I am not fooling myself here - and I will not be surprised if they do take it way once I get my balance lower. I spoke witha manager and did try again to get an increase on the Visa - managed to get my APR lowered for a few monhts. I will take it. Also, he was the first to tell me the max CL available on both cards - just $3000 and $3500 respectively. I have to say that, as someone, who is still rebuilding, I cannot say too many bad things about Cap 1. They have treated me very well over the past three years, and I nolonger have to deal with Orchard and First Premier or any other bank of this sort.
>
