Is there a Capital One growth guide?

[Anonymous]

I did a search, but couldn't find what I was looking for. I've already seen this information posted somewhere, but after readying so many forums and threads I haven't been able to find it again. 

I recently received two cards from Capital One, a QS One and a Platinum. I know you can request a CLI with the luv button somewhere between the 61-91 day mark which doesn't effect the possible auto CLI from their steps program after the 5th statement. 

What I'm trying to figure out is when are you available to request a CLI after that?

Ideally I would like to grow both cards as much as possible over the next year and PC the Platinum to a QS and combine both cards. 

I also know that Capital One loves heavy usage on their cards, so I have been showing both cards love. One will be PIF when the statements cut and the other a 1%-9% utilization balance. 

[Anonymous]

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@Anonymous wrote:

I did a search, but couldn't find what I was looking for. I've already seen this information posted somewhere, but after readying so many forums and threads I haven't been able to find it again. 

I recently received two cards from Capital One, a QS One and a Platinum. I know you can request a CLI with the luv button somewhere between the 61-91 day mark which doesn't effect the possible auto CLI from their steps program after the 5th statement. 

What I'm trying to figure out is when are you available to request a CLI after that?

Ideally I would like to grow both cards as much as possible over the next year and PC the Platinum to a QS and combine both cards. 

I also know that Capital One loves heavy usage on their cards, so I have been showing both cards love. One will be PIF when the statements cut and the other a 1%-9% utilization balance. 

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6 months from the date of the last increase.

[Anonymous]

after the 5th statement did not work for me. the 3rd statment did. when i tried after the 5th statement they told me that I recently, 2 statements ago, received an increase, pretty much they told me I need to wait. I guess 5th statement does not work for everyone.

[Anonymous]

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@Anonymous wrote:

after the 5th statement did not work for me. the 3rd statment did. when i tried after the 5th statement they told me that I recently, 2 statements ago, received an increase, pretty much they told me I need to wait. I guess 5th statement does not work for everyone.

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User initiated CLIs have to be 6 months apart. Credit step increases are auto and don't apply.

[RonM21]

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@Anonymous wrote:

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@Anonymous wrote:

after the 5th statement did not work for me. the 3rd statment did. when i tried after the 5th statement they told me that I recently, 2 statements ago, received an increase, pretty much they told me I need to wait. I guess 5th statement does not work for everyone.

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User initiated CLIs have to be 6 months apart. Credit step increases are auto and don't apply.

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+1

[Anonymous]

So does this mean you can do a your first CLI increase at 61 days and six months after that do a second request with a step increase in the middle or does it have to be 6 months after the step increase?

I just want to make sure I understand correctly so I can grow this QS1 as much as possible and combine it with another card before I get hit with the next AF fee.

[Ghoshida]

Auto increase can happen whenever they feel like it. Typically after first five statements.

You can request a CLI only after 6 months of any kind of change, that includes SP CLI, auto CLI, and credit card combination.

While it's not guaranteed that after 6 months you'll get the CLI, it's guaranteed that asking before 6 months will get automatically declined.

The only exception is the first request, which can be done between 60-90 days after getting the card and doesn't get auto declined.

[Anonymous]

Thank you for all the replies!

[Anonymous]

If its a new card you can request your first cli before 6 months...after that its every 6month exactly that you can request a cli.  

[Anonymous]

thanks for all of the responses. now it is super clear to me. so since I got my cli at 3rd statement I will not try to cli until the 9th statement mark and I will get a credit steps sometime in between that. thanks