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Creditismynightmare

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How long after you get a capital one secured card did you ask for a CLI?

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Used the card alot, made mutiple payments / on time payments, did not carry a balance from month to month. At a 580 TU Score I was approved for a $200 secured C1 Platinum Card. I heard that after three months on on-time payments that you could get $100 CLI. Asked after four months and was denied. The reason given was that CLI weren't given on secured accounts. I was a little dissappointed. I continued to use the card, make payments as specified above and six months to the day I received a +1500 CLI - go figure!  

The key is to spend responsibly. If you can't pay it off within a month, don't charge it. I still have not paid any finance charges to this day! 

C1 PLATINUM CL is 1700. TU 725, EQ 719,  EX 698

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Don't ask (it would most likely lead to Hard Inquiries to damage your score along with a denial) they will probably issue an automatic credit line increase after you have the card for six months as long as everything is in good standing.

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