I have a cap 1 account for about 1.5 years now, never late with the payment, always pay in full every month, and it only had a $300cl. I' ve called them time and time again, and they wouldn't raise the limit saying it was system generated. Well thanks to this board, I have other cards with much higher limits, and don't need cap 1. So, I called them up 2 days ago told them close the account, reason being the cl, told them i've been a good customer, and if thats all they could do, its waste of time, very politely. They said once again we can't control cli's but if you just hold on to the card for a little while longer, i'm sure they will review your account. I told them 1 more week, I logged into my account today, they raised the limit. I had to threaten them to make it happen though.