@lajntx wrote:
@noobody wrote:
the reason is "A credit limit increase on your account is currently not available upon request in order to reviewaccount activity at assigned credit limits"
can somebody explain to me what is that mean?
Capital One excuse book:
Account does not have enough time at current limits to determine if risk potentional meets required guidelines****
from the bottom of the page in the footnotes : **** Not like we will give one anways
Plain English:
Thank you for asking for a higher limit, however, we do not want to give you a higher limit because we simply do no want to.
Street Slang:
Yo fool! You`s think you going to get a limit increase because we allowed you to ask? Ha! are you crazy or sumpthin?
Lol
Well, I am now one month back in the garden. Honestly, I have pretty much every credit card I need. Now that I've been approved for a mortgage, I no longer have any big ticket items I need credit to purchase. So, things are looking good. I've come a long way over the past seven years. 
Starting Score: TU: 566
I just got a $2k CLI! My util has been a little funky lately but I didn't want to wait around for a month to see if it would update just to have them say my account was ineligible... Happy surprise
@darkpearl wrote:I just got a $2k CLI! My util has been a little funky lately but I didn't want to wait around for a month to see if it would update just to have them say my account was ineligible... Happy surprise
Hi darkpearl, can you share what your credit profile was when you received the increase? How long have you been with Capital One?
I have been with Capital One since spring 2012. Util was definitely under 20% but very high on certain cards. Util on the cap1 card was low, maybe 10% each statement PIF but not before statement cut. It's my every day card because it is the no hassle rewards. At one point I may have been in the credit steps program because I received a $500 CLI after 6 statements, it is also the mastercard version but no AF. It was my 2nd credit card ever. My AAoA is low as you can tell from the date. You can see my other cards and most recent verified score in my sig. Maybe 6 inqs.
Well, I got my response: Nope.
The current credit line for this type of account makes the account ineligible for a credit line increase upon request
Whodawhat? 
I guess this means my CL is at the cap?
This account has not had at least 3 monthly payments made over the last year
Of course, that's because it's in the sockdrawer, dummy. I've had store cards with a higher CLs.
Your Credit Score: 793 Date: 2013-05-28
That's so close to 800 it makes my eye twitch in irritation. (I want to be in the 800 club really bad)
@KingAdrock wrote:Well, I got my response: Nope.
The current credit line for this type of account makes the account ineligible for a credit line increase upon request
Whodawhat?
This account has not had at least 3 monthly payments made over the last year
Of course, that's because it's in the sockdrawer, dummy. I've had store cards with a higher CLs.
Your Credit Score: 793 Date: 2013-05-28
That's so close to 800 it makes my eye twitch in irritation. (I want to be in the 800 club really bad)
This account has not had at least 3 monthly payments made over the last year
Oh, OOh, Oh, do this. Buy me a pack of gum on your card then buy a small box for it the next month and then the following month mail it me. Make the payments each month and then post about what happens in 4 months and I will wait to chew the gum until then.