How and when will Credit One card offer a credit limit increase?!

[Anonymous]

I started my rebuilding journey with a Capital One credit card and a Credit One. Cap One makes it obvious how to request a credit line increase and after three months it was bumped from $300 to $800. Without a credit pull! Perfect!

But what about Credit One? I opened it in April, every payment has been made on time, but there doesn't seem to be a way to request an increase online. Am I missing something? Plus, If I DO, will they pull my credit? I'm getting a mortgage right now so no pulls are allowed. 

[Anonymous]

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@Anonymous wrote:

I started my rebuilding journey with a Capital One credit card and a Credit One. Cap One makes it obvious how to request a credit line increase and after three months it was bumped from $300 to $800. Without a credit pull! Perfect!

But what about Credit One? I opened it in April, every payment has been made on time, but there doesn't seem to be a way to request an increase online. Am I missing something? Plus, If I DO, will they pull my credit? I'm getting a mortgage right now so no pulls are allowed. 

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I got an auto CLI of $200 when my 1st statement posted. I've heard that CLI requests result in a HP with them.

[Anonymous]

you request it by calling the number on the back on the card. They may say it hasnt been a year and it will be denied.

[Anonymous]

You have to call and ask; it costs $15 and a HP.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I started my rebuilding journey with a Capital One credit card and a Credit One. Cap One makes it obvious how to request a credit line increase and after three months it was bumped from $300 to $800. Without a credit pull! Perfect!

But what about Credit One? I opened it in April, every payment has been made on time, but there doesn't seem to be a way to request an increase online. Am I missing something? Plus, If I DO, will they pull my credit? I'm getting a mortgage right now so no pulls are allowed. 

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I got an auto CLI of $200 when my 1st statement posted. I've heard that CLI requests result in a HP with them.

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Me too.

[Anonymous]

We SD ours and the next month got a $200 CLI. It's still in the SD and we'll be canceling it this week

[Anonymous]

They can send you something to increase it or maybe once in a blue moon auto it.  But when I had one I called to cancel & they offered an increase with a HP.

[Anonymous]

I haven't seen anything different from what's been shared already, either an almost immediate auto CLI or nothing till you request then it COST $ & a HP...

Their pretty upfront but still NOT the best out there and in fairness I guess they aren't the worst, either.

IMO, I wouldn't worry too much about developing a long-term relationship with them anyway, they are a wham bam thank you ma'am type vendor.

Use them for what it's worth and RUN....it almost works BEST not for the card to grow because it makes it easier to drop it like a bad habit, once you're qualified for better opportunities.

Otherwise you may stick with them to long...
A nice limit might entice 'spending' ...now you're stuck with that duck...a low limit hopefully forces more ppl to keep the usage on this crap card low,making it easier to pay off and run off to something better.
There doing you a favor by giving you more reason to dump, that thing 1st chance you get.

[Anonymous]

I  got one after my first statement of $200. I had to verify my bank account after the first few payments. I would just use it then paid in full to avoid any fees and made like 3 payments in the first month. I don't plan on keeping this card to long but it is a nice starter card for those of us in the rebuilding process. I have read so many bad things about Credit One but they were the first to offer me a unsecured card and I appreciate them for that. Yeah the fees are not great (way better then some of the other sub prime cards that I have seen) but that is something as a rebuilder that I have accepted right now. Here's to hoping for bigger and better cards in the future. Good luck on your journey!!

[Anonymous]

I need 2 more credit lines on my rebuilding and I get mail offers from credit one......don't even open it straight to the trash