Cap One is really starting to irritate me

[Anonymous]

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@Anonymous wrote:
I always get an excuse something about they are evaluating my usage or something. The trick with being happy with capital one is low expectation. 😅

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My ex-wife used to say something similar.

[Anonymous]

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@JoMellow wrote:

They are buried so far back in the VERY back of the sock drawer they may never ever again see light.

I got the same message for 5.9 months - then all of a sudden "recent use of your card is too low". 

Fine with me Capital One,  now tell me how NO usage feels  

haha - I laugh at them; (and its not like I need a cli - on a card I rarely use anyway) but gosh, toss a girl a bone already.

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The same exact issue im facing i put 20% of my balance on it a couple times over 8 months NOTHING. Really annoying. I do a ALOT of swipes too. Cards cooked, moving on. Card is 1 year 2 months. Its been real Cap1. 

[taxi818]

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@Anonymous wrote:

Got my QS in January. Got a CLI in March. Been hitting the CLI button several times a month, so I have a pile of denial letters that all read "there has been a recent credit line increase." Yesterday was six months since my March CLI, so I figured this time it would finally happen. Hit it, another denial. This time the letter reads "Your average monthly payment has been too low." Geez. I've been carrying a balance on the card - currently $1018 - since I have 0% APR right now. Been tossing them $100 a month. So, screw it, I just paid off $1000 of that. Left the $18 since it's my only card reporting a balance.

Now let's see what excuse they come up with.

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Happened to me exactly like this. Now since you paid so much. Hit the button again in a couple of days and Boom. Your increase.

[Anonymous]

RedMiniStapler, so what you are really saying is that Ignorance is Bliss. ☺

[Anonymous]

2 months of heavy use statements on the mutant QS, no way I get increase being a teetering 600.  PlayStation is being used heavier, already racked enough points for a free game and a headset, but no...Buyao wants a 65" LED 4K TV. Be my present next yr with for the love of Odin a CLI.

CLI is my new gardening game. Don't think Cap1 will cave anytime soon before QS's credit steps and PS isn't in credit steps. Sadness.

[Anonymous]

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@Anonymous wrote:
RedMiniStapler, so what you are really saying is that Ignorance is Bliss. ☺

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[Anonymous]

I use the QS card mostly since I got it back in April. I tried a few times to get a CLI and got a lot of excuses. I was reading this thread tonight and decided to give it one more try and BOOM - $3k CLI to $13k. There's always hope I guess. Maybe they saw that Discover recently bumped me up to $14k a couple of weeks ago.

[Anonymous]

a little confused on why you think a $100 payment was sufficient for a $1,000 balance and you expect a CLI... seems like you should know better than that.

[Anonymous]

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@Anonymous wrote:
a little confused on why you think a $100 payment was sufficient for a $1,000 balance and you expect a CLI... seems like you should know better than that.

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Capital One gives cli's with payments like that. The au card in my profile started at $750 and went to $3750 with a $450 balance and a current car loan with them.

They like usage and probably Captool wasn't making them any money. 

My DW can't get a card from them at all with scores floating around 700-730 on Ex and Eq and 670-679 in Tu.

They are a quirky lender. Great for those who can start at the bottom with them, but can be challenging for those in the middle or higher who don't want a starter card.

[Anonymous]

i am aware, but just seems people try to "play the system" to get CLIs. and the fact that they felt the need to make a post over being irritated about not getting a CLI because they see other people get them and feel left out... such first world problems. accept whay you have (which in 90% of our cases is MORE than plenty) and move on. spend what you spend and pay what you pay. if you get a CLI then cool if not then suck it up buttercup. the need to gripe is petty.