How old are the 2 Cap1 cards?
Many people have received an automatic cli after 3 months of perfect history.
Another shcool of thought that if you pif, and do not use it even one single time, that in 3 months time they give you a cli inticing you to use it.
I guess it would come down to what other things are on your credit report. Any baddies, other than over the limit(it will be reported, but won't adversely effect your score, imo)