Don't feel bad, you are not alone.
I've had a Venture One stuck at $5k (starting limit) for 16 months, I've carried a balance of $2800 (a couple of months during the 00% APR period) and I've paid it in full. Currently in a drawer, PIF, at least 6-8 CLI request have gone on deaf ears. First it was "payment is too low" which was during the 00% APR period and I was still paying at least 4X minimum, now it's "your outstanding credit obligations are too high" which is absolute BS - I have $250,200 in revolving credit lines, carry less than 4% due mainly to a promotional financing 84 month 5.99% APR Lowes project - other than that a $1100 00% APR on a $16k CL card. Thats it other than mortgage and cars - typical Capital One BS. Oh true Fico scores 758/764/731.
Capital One makes no sense - I also bank with them (and DCU and CFCU) and I have substantial funds on deposit. I see amazing starting limits and CLI's posted for Cap-1 cards on these pages, but not me.
So, don't feel bad, it's not you, it's the Cap-1 "computer" that hates us 
@pipeguy wrote:Don't feel bad, you are not alone.
I've had a Venture One stuck at $5k (starting limit) for 16 months, I've carried a balance of $2800 (a couple of months during the 00% APR period) and I've paid it in full. Currently in a drawer, PIF, at least 6-8 CLI request have gone on deaf ears. First it was "payment is too low" which was during the 00% APR period and I was still paying at least 4X minimum, now it's "your outstanding credit obligations are too high" which is absolute BS - I have $250,200 in revolving credit lines, carry less than 4% due mainly to a promotional financing 84 month 5.99% APR Lowes project - other than that a $1100 00% APR on a $16k CL card. Thats it other than mortgage and cars - typical Capital One BS. Oh true Fico scores 758/764/731.
Capital One makes no sense - I also bank with them (and DCU and CFCU) and I have substantial funds on deposit. I see amazing starting limits and CLI's posted for Cap-1 cards on these pages, but not me.
So, don't feel bad, it's not you, it's the Cap-1 "computer" that hates us
Agree Cap1 compuer likes some more than others. People have nothing to do with the CLI button.. Granted I got a 20k CL on my venture, but can't get a credit line increase on if for the life of me and actually use it for 1k a month at least then pay it off.. so put around 4-6k through it in the 4 months I have had it.. Some people get CLI of 3k after 2 months and then others are stuck with probably their permaent limit unless EO is involved and that is just to much work and my personal case I have enough credit with them to bother with EO. Just weird how people can have 5 cap1 cards at 15-20k each and get CLI w/meh scores and others can't such as pipeguy who has solid scores. I mash the button every week as doesn't cause harm and have email copies vs paper copies just computer processing time is all I am taking
I have always had my best luck getting CLI with CO after heavy use of the card. I generally rotate my 4 CO cards and have now gotten substantial CLI on all 4 cards. They like to see spend!!!!
Apply for a new QS One Card
Sometimes you have to get a new card to get to the next level.
I have had 7 Cap One accounts in the last 18 months. 3 are closed due to no CLI.
Once you climb out of the bottom tier, it is easier (assume your credit score increases, good income, good spending)
