Finally got a CLI on my Cap1 Secured CC

tburns · ‎05-26-2011

Just logged onto my Capital One account and saw my CL is listed as $300 on my secured card, lol. Was $200 since Oct last year.

Guess I got a $100 unsecured CLI. I pretty much began to think it wouldn't happen. Odd thing is that Available credit still shows $200 with a $0 balance since I haven't used this card in a month.

Wolf3 · ‎05-27-2011

Congrats. They are very slow about updating the account, with these changes. .

tinuviel · ‎05-27-2011

Congrats!!!!!

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

LS2982 · ‎05-27-2011

Honestly, I would make deposits instead of waiting for them. Much easier.

EQ FICO 548 3/3/16

tburns · ‎05-27-2011

Thanks everyone This is actually my first CLI on any card since I started my credit journey in Oct '10 with this and a WF Secured card.

@LS2982 wrote:
Honestly, I would make deposits instead of waiting for them. Much easier.

I was planning on adding little amounts each month to build up but things came up. I actually tried to get my WF increased with an added $200 but haven't seen the money taken from my account or added to my WF CC yet and it's been a month

But since I now have a Discover, Chase Freedom, unsecured Cap1, Walmart and Amazon, each near or over 1k I think it might just be best to let this card live in the sock drawer except small bills like CR monitoring and autopay bill at the end of the month. I'll just keep it for the age. Unless you think adding small amounts to up the limit might be a good idea in the long run.

Wolf3 · ‎05-27-2011

@tburns wrote:
Thanks everyone This is actually my first CLI on any card since I started my credit journey in Oct '10 with this and a WF Secured card.
@LS2982 wrote:
Honestly, I would make deposits instead of waiting for them. Much easier.
I was planning on adding little amounts each month to build up but things came up. I actually tried to get my WF increased with an added $200 but haven't seen the money taken from my account or added to my WF CC yet and it's been a month

But since I now have a Discover, Chase Freedom, unsecured Cap1, Walmart and Amazon, each near or over 1k I think it might just be best to let this card live in the sock drawer except small bills like CR monitoring and autopay bill at the end of the month. I'll just keep it for the age. Unless you think adding small amounts to up the limit might be a good idea in the long run.

Since you are doing so well with unsecured, I don't see the point of small increases to Cap1 or WF.

If you were looking for a much bigger CL card in the future, I would suggest that putting a large deposit on a secured card might help.