Should I take or wait small Capital One CLI?

[Anonymous]

I requested a CLI for my quicksilver One card, and said I am eligible to increase a whopping $100 bringing the total to $600. My credit score is now 690 up from under 600 a few years ago. Only 5% utilization aross all accounts. My question is should I accept this $100 cli or wait and see if I get more? I know C1 only does cli every 6 months, so if I do it won't be until October before a chance at another. It not much, but it won't really change much as far as my data points, just wondering if it would grow quicker if I hold out for more or take it and build more trust?

[M_Smart007]

It sounds something like "credit steps" ..

probably build $100 at a time.

@Anonymous, knows a lot more about Capital One than I do.  .. He'll chime in.

[Anonymous]

You should have gotten an email that said after 5 on time payments they'll bring your limit to $X (usually at least $250 increase, often 2x your SL, rarely more than that). The $100 wont stop you from getting that increase, it will just give you $100 of it early. 

If you didn't get credit steps though, that $100 would indeed be the last CLI you would be able to get for 6 months. If that's the case, I wouldn't take it.