No AutoCLI on Capital One

[polaris2011]

On the 18th, I hit my 6-month mark on my Capital One QS (they upgraded it from a Platinum last year). I don't make CLI on this card because I just wait for the auto increase, but the CL is at $1500 now. I put about $300 - $400 a month on it and PIF every month. I don't need a CLI but I was wondering if this is typical.

Thanks

[HeavenOhio]

If your card is in the credit steps program, you should be due for an increase pretty soon. I'm not sure of the details regarding how that works, but someone will likely chime in on that.

If your card isn't in credit steps and your profile looks good, I'd go ahead and request an increase within the next month or so. Keep in mind that Capital One is likely to use an old pull, so if your report looks substantially better now than it did a few weeks ago, it may make sense to wait a bit. Then again, there's no harm in asking because the clock isn't reset if you're declined. Along with that, if they offer an increase that you deem too low, you can decline it and try again later. The only hard number to keep in mind is that after accepting an increase, you must wait six months to request again.

[601flyguy]

If you are in credit steps, its best to request a cli before the credit steps increase. A cap1 rep suggested that i do that and others here as well. If you request before the steps increase, you will get a $100 increase plus the steps increase. If you dont request before, you won't be eligible to request until 6 months after steps increase.

[Brian_Earl_Spilner]

If you have a $1500 limit then you're not in the credit steps program so you won't get the automatic increase. If you were somehow in the program with that limit, you would have got at least 2 emails reminding you the date was coming. Also, in the app when you scroll down, it would show you a countdown to your increase.

[601flyguy]

After reading the op again i dont think you are in credit steps either. You should be eligible to request when you are ready.

[Anonymous]

I don’t know that I’ve ever gotten an AutoCLI on either of my Cap1 cards.. But they’re pretty good for soft pull CLI every 6 months if your profile supports it...

[polaris2011]

Seems as if I'm not after all like you guys suggested. I plan on sticking this card in the sock drawer for a while once I get my Amex cards. If it grows then that's good but right now it's my oldest line and that's about all I need from it. Thanks for the helpful replies.