@Anonymous wrote:Hopefully someone can give me some sort of idea on what I should do here. So I have 2 Cap 1 Quicksilver's both opened 02/2016. One was a Platnium turned Quicksilver the other is just a Quicksilver. Both started at 300 went to 800 after 3rd statement cut then Steps kicked in 08/2016 and now the lines are 1300 each. I was fully expecting to Get a really good increase this week after the statement cut on sunday but got denied on both "Too many recent inquires" which is kinda true i like to keep applying for cards 1 year out of Ch.7 Im trying to find better cards besides the comenity crap I want to get rid of. Anyway my Util has been at or under 30% the entire year. Cap 1 gets special treatment and always gets a larger then min payment and when i recieved my tax refund last week I paid them both off. I was hoping to Get a CLI and combine them.
Now where my actual question comes in sorry for the rant should I wait to try again for another increase, if so how long if anyone has had this same reason for getting turned down how long did it take to get the increase or should I take the bullet combine now and wait another 6 months for a increase?
Thanks.!!!!
If INQs are an issue, you could attempt to combine the accounts, but that still is not a guarantee that Cap 1 will approve it. It sounds as if your apply for additional credit is affecting your ability for your accounts to grow. Comenity bank has been very good to me; I have two accounts with them with limits above $20k. While I would prefer for those limits to be attached to bank cards, I'm not going to complain at this point with the purchase power available to me. If you choose to combine the cards and are approved, the yes it would be 6 months before they would consider an increase. Maybe Cap 1 is suggesting to you to garden for a little bit and let your accounts age and the INQs to fall off.
Also, the ideal UTI is one card under 10% and the other cards reporting a zero balance. You're doing good for 1 year out of Ch. 7. Rome was not built in a day; neither is the ideal credit profile. I have a CO that I would like gone cause the 90 day lates are killing me, but I'm gardening until its gone because I've accepted that nothing will improve me score until it is gone.
Good luck whatever you decide and keep us posted. 
Patience is a virtue my friend. I recently combined my capital one quick silver one to my platinum as I grew tired of the "membership fee" nonsense.
CapitalOne is one of few companies willing to work with consumers fresh out of BK so take your time and gain a little more traction with them with good usage and paying history before making decisions for limit increases and combining accounts.
As many vets on the forums would suggest, add them to your calendar and keep track of your progress. Best of luck to you
