Cap1 and their measly increases

[Anonymous]

To @BrutalBodyShots question, some data points.

When I got 3x CLI ($1k-$3k) for QS1 after the fourth statement, the only other cards I had were a $1k Platinum (same age as QS1), and a $5k Venture not quite three months old.

In the same session as the QS1 CLI, I got 3x CLI ($1k-3k) for Platinum and a $4k CLI for Venture ($5k-$9k). TU at the time was 688.

[Anonymous]

Interesting.  So when you had the $1k limit on the QS1 they clearly saw that you had another card with 5x that limit... so perhaps they were more generous in their CLI.  I wonder if you didn't have that $5k limit card if they would have given you a 3x increase on your QS1 or if it would have been less.

[Anonymous]

Who knows, possibly. Usage on all three was heavy, history of PIF. Normal UTI was around 20%.  At time of CLI's, UTI for all three was about 40%.

[Anonymous]

I wonder if a higher temporary utilization would increase odds of a greater CLI with Capital One.  Perhaps PIF every month then letting a 40% utilization report just prior to going for a CLI may yield a different result.  Of course you take the temporary score hit by letting that 40% post, but perhaps they like to see that high utilization on occasion.  I didn't think that most liked seeing that, and that 0-9% was the ideal range but I suppose the argument can be made either way depending on who is looking at it.

[black_citi]

My QS (although not a rebuilder) started with a 3k limit. 6 months later I hit the luv for another G. Approved. Another 6 months or so I ATTEMPTED to ask for another G on their site but stopped short of hitting the luv. I figured I didn't need it. The next day I get an email "congrats you've been approved for a credit limit increase" or something to that effect. They gave me the G anyways. Me and cap1 were made for each other lol. I hope to never burn them (or any other ccc for that matter).

If I had a rebuilder or if my credit wasn't as good, my situation might be a bit different.

[Anonymous]

I've been getting a $200 offer for my QS1 for the past 3 weeks which I've declined. I have several cards with balances right now, some with high utilization because I'm taking advantage of 0% offers. My scores are: EQ 653/TU 660/EX 652 (all because of utilization..no baddies). Hit the luv button again today and was given an increase of $3500 for a total CL of $5500. I gladly accepted that offer.