What do i have to spend to get a 5k increase on QS card?

[Anonymous]

I am on month 11 of the Cap1 steps program. I've spend about $5K over the past 5 months on my Quicksilver card. NO late payments. 0% Util reported every month. I am 21 months post Chapter 7. Current scores are TU 598, EX 619, EQ 610. I just got 4 student loans removed on 9/8/2016.

[CYBERSAM]

to my experience,  CapOne love swaps! If you want big CLI use it for everything instead of cash. Buy a gum, water bottle, everything and anything you can swap. By doing that they gave me 7K CLI and after that I use them for few big auto bills and haven't got much of CLI with them.
Couple of weeks ago I tried and got $1500 CLI but I declined.

[Aduke1122]

What did your card start at OP

[Creditplz]

Varies on your CR more then just spending although they both play a big role.

[adamkingadam]

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@Anonymous wrote:
I am on month 11 of the Cap1 steps program. I've spend about $5K over the past 5 months on my Quicksilver card. NO late payments. 0% Util reported every month. I am 21 months post Chapter 7. Current scores are TU 598, EX 619, EQ 610. I just got 4 student loans removed on 9/8/2016.

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Personally, I think scores are kind of low to warrant that kind of CLI from Cap One.  Once those rise, you will have a better chance.

[Anonymous]

Your current limit is $800, correct?  If you're looking for a $5k increase, your asking for over a 600% increase from your current credit line.  That's like someone with a $3k credit line looking for $21k+.  That's a bit unrealistic from any creditor, even the ones that are very liberal with their CLIs and Capital One can be hit or miss.

I have a QS and have only been able to get two $500 CLIs on it (current $4k limit) and my FICO 08's were 730's when I last requested and got a $500 CLI.  I too prior to requesting a CLI put $1k+ through the card, PIF, etc. and it didn't do much for me.  I know others have had more favorable results.

If you're current limit is $800, I would guess that may get a $500 CLI to $1300, or best case may get $1000 to bring you to $1800 but I can't seem them being much more generous than that for your first CLI. 

[Anonymous]

I just went from $500 - $3500 with a Chase Freedom card. I've had the card for 3 years though and since then my credit has gone from pretty much nothing starting at 700, to pretty high utilization for about 2 years down to 593, and now today I'm up to 743 and mostly paid off. I told them I was traveling soon and the $500 limit was not enough to book our rooms. I didn't actually expect that much of an increase but I think my history with them helped a lot.

[Anonymous]

Absolutely your history played a big role here, not to mention your current very solid 743 score.  Also if you went 3 years without requesting a CLI you were certainly due.  Had you been requesting periodic CLIs all along you likely could have achieved a limit at or around the $3500 that you got.  You more or less played "catch up" with your recent CLI, which with a solid credit score can certainly be done.

[Anonymous]

my QS started with a $700 limit about 23 months ago, it's now at $13,500. My last increase was on 07/25/2016 from $8,500 to $13,500. We just stopped using it that much and have been focusing on newer cards, but at first I literally ran over $9k through it a month and PIF'ed sometimes more. I honestly don't think you  have to run that much through it but I have read they like multiple payments and love when customers PIF. Here's a screenshot of March and beginning of april before we stopped using it to give you an idea of how I did payments. 

[Anonymous]

thank you.