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Talked with Cap One about Credit Steps...

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Valued Contributor

Re: Talked with Cap One about Credit Steps...

At my 4th statement my limit went from $300 to $800 with hitting the CLI request online. At credit steps I went from $800 to $1300. 


This was the same on two cards (Platinum and Platinum is now a QS) and both had originally said it would be $500 after 6 months.

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 11 of 15
Established Contributor

Re: Talked with Cap One about Credit Steps...

What they tell you is the minimum they will raise you after credit steps.  Mine went from $500-$1500 after 3rd statement-$2000 after credit steps.  They only told me a $250 increase with credit steps.

EX680 TU 659 EQ 691
Cap1 QS-$4,500 Chase Freedom Visa- $800 Chase Freedom Unlimited- $500 Victoria's Secret- $2000 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $10,000 AMEX BCE-$1,000 AMEX Gold-NPSL
NFCU SSL $88/1005
Message 12 of 15
Frequent Contributor

Re: Talked with Cap One about Credit Steps...

I got my QS1 credit steps in Sept 2015 for $500. I never could get a CLI but it went to $750 after 5th or 6th statement. Then I consistently charged it up and made large payments. In November 2016 the limit auto increased to $3,750! I also just PC'd it to the regular QS with no AF. So, treat it right & it will grow.
Current FICO Scores as of 01/2020 EQ 700 TU 724 EX 694

NFCU CR $24,000 | USAA Rewards Visa Signature $17,000 | USAA Preferred Cash Rewards Visa Sig $17,000 | Walmart MC $10,000 | Wells Fargo Cash Wise $9,000 | Costco Anywhere Visa $13,500 | Citi AAA $5,500 | PenFed Rewards Visa Signature $6,500 | PenFed Promise $5,500 | Amazon Rewards Visa $3,500 | AMEX BCE $2,800 | Barclay Apple Rewards $960 | Capital One QS 3,750 | Chase Sapphire Reserve $5,500 | Discover IT $1,600 | Amazon $7,800 | J Crew $11,500 | Wayfair $6,500 | PayPal Credit $7,800
Message 13 of 15
Regular Contributor

Re: Talked with Cap One about Credit Steps...

I just called Capital One regarding credit steps was told I couldn't join. I also asked if they graduate the secure card and was told nope. Was offered to app for another card. I told the CSR I thought you couldn't do another app for 6 months. She said I could if i wanted to. I think ill just get rid of the card since it only has a $200 limit and will never grow. Maybe in Dec ill app for the QS.
FICO Scores: EX-665 TU-690 EQ-670 (10-23-2017)
Amazon Store Card - CL $5000/AMEX BCE - CL $2000/ AMEX Everyday - $500/ Barclay Rewards Card - CL $1500/ Capital One secure card $500/ Capital One QS $1600/ Discover IT $10500/ Walmart Card - CL $5000/ Old Navy Card - CL $6000/ U.S. Bank Cash+ Visa Signature Card - CL $500
Message 14 of 15
Established Contributor

Re: Talked with Cap One about Credit Steps...

Thank you all so much!!  I love myFico and have recommended it to several people. You all are the best!!

Current as of 3/21/18 EQ 609 TU 619 EX 628
Discharge 7/2016 Ch 7 BK
Message 15 of 15
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