Cap 1 CLI wording

[SRT4kid93]

Was due for a CLi with capital one as it's been 6 months, I applied and I got this response "your account is currently ineligible because your card has been assigned to a group of cards who are being evaluated to access usage at current limits"

This wording is slightly different than normal? Usually they say we are evaluating usage at current limits, but I've never seen the additional wording about being "temporarily assigned to a group of other cards being accessed"

i know this typically means you are not spending enough, but I have been spending 60-80% of my limit every month. Usually it comes out to 3-4000 every single month. 

that's a lot of spend on 1 card..... I never thought I would be declined for essentially "not spending enough"

When the limit is low, it's easy to max out, but they can't honestly expect everyone to max out their limit every month once they are in the 5-20k range. In order to do that I would need to move all my spend from other cards over to cap1 and there's no way I'm doing that. 

[AndySoCal]

The message is not about the spend on the account.  The message is basically means that Cap 1 wants more credit history on the account at the current credit limit. I would wait at least another six months before asking again. If you are applying for new accounts I would pause doing so for awhile

[FicoMike0]

I'd say you're doing better with them than I am. I started with $2000 cl qs about 30 months ago. I pced it to savor early this year. Im now at $3800, last cli was $300. The qs was pretty much sock drawer, small purchase every month. With savior I've put $500 on it, still nothing like your spend. I'm a couple of months from six months, hope I can get +$1000 this time.

The thing is, this is my 2nd oldest open card and my lowest cl. I opened amex bcp a few months later and it's grown to $27,000. I just got Chase prime with a $9,000 initial limit. Haven't charged anything to it yet, just about used up the $250 gift card.

[SRT4kid93]

@AndySoCal 

That makes a lot more sense, everything else I've read on that specific message was about not spending enough. But I was so confused because I spent way over the average, and more than enough to warrant an increase. The time reason makes me feel better, although it's been 6 months that's usually enough. But hey, it's their money and their game 

[AndySoCal]

@SRT4kid93 @The usage on the card is only a part of the equation. The credit report so that they have complete picture of the customer credit wise not just the scores.  The income is also a part of the equation.  From a creditor point of view each consumer represents a certain amount of risk some greater than others. The key to building you credit is remembering this is not sprint it is a marathon.