Should I request a Cap One CLI or wait?

[Anonymous]

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@Anonymous wrote:
Thanks! Very exciting! Hopefully credit steps gives me a another 500 in a couple months but if not...eh, I guess I can wait :-)

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did you get an email from capital one about credit steps program? if so, you will get that credit step cli for sure.

[Anonymous]

I did get notification from them because I remember thinking "What?? I didn't enroll in credit steps!" That was before I knew it was automatic.

[Anonymous]

it's definitely automatic in the platinum

[Anonymous]

My credit steps email said a 200$ increase by October 2015.

[Anonymous]

And that's for my QS1 account I can't find a credit steps email about my platinum.

[OmarGB9]

More than likely your platinum is enrolled as well. If you want to know for sure, chat with them online or give them a call and ask.

[Anonymous]

i think all platinums are. they're strictly rebuilders

[Anonymous]

Let me ask this: I heard somewhere that you can get an automatic increase after 5 on time payments? That's what I want.

And actually I'm 3 payments away.

[SouthJamaica]

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@Anonymous wrote:
I have 2 capital one cards, the platinum and QS1. I opened the accounts in March. Its been almost 4 months. Should I request a CLI or wait for them to auto increase? I'm seeing people post about cap one increases after 2 months so it makes me wonder if I could get one. Its a soft pull right? Also, if they deny the CLI, will they still give one at the 5 or 6 statement? I'm in credit steps so both cards are 300$ CL. each.

IMHO best bet with Cap One is:

1. use the cards a lot

2. pay them down to zero quickly over and over

3. don't ask for cli, just wait for auto cli's

[Anonymous]

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@Anonymous wrote:

Let me ask this: I heard somewhere that you can get an automatic increase after 5 on time payments? That's what I want.

And actually I'm 3 payments away.

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if it's new account, then you're probably on credit steps program which grants automatic cli on 6th statement.