I too have seen and heard of people sitting on their last cli for years without another one, then applying for another card and getting it with a higher starting CL!! I'm not sure I'm willing to do that, knowing the limit won't change much. But, in December 2016 ( my next very small spree I'm planning on...I'm gardening now), of I don't get the cards I app for then, I might apply for another one. Idk, ill just see when that time gets here. In the mean time, I'm just gardening all my other cards, and concentrating on Barclays
I'm trying for a cli with them in march, my one year with them
I'm trying for a cli with them in march, my one year with them
I'm done with them.
I have a 2 cards that are stuck @ $2K and $500.
As soon as my last payments post and I get my rewards checks I am closing both accts.
And I won't be reapplying for one of their "better" cards either.
@pazuzu wrote:I'm done with them.
@I have a 2 cards that are stuck @ $2K and $500.
As soon as my last payments post and I get my rewards checks I am closing both accts.
And I won't be reapplying for one of their "better" cards either.
have you talked to the EO?
Cap One won't be getting anymore of my major business for awhile either but I can't close it because it's my very first credit card. They denied me for a increase just recently, they hadn't given me a increase since 2011 until recently in April of $1,000. I was planning on buying about $2,500 worth of camera equipment for Christmas and two t.v's for Christmas at about $650. Didn't want a UTI of 50 % or more, so I asked for the increase after monthly use of the card, on time payments, being responsible. year, after year and still they denied me for very low use of already exsisting limit.
You just wash your hands of it and move all your spending to another lender. 
@Anonymous wrote:
If you freeze your EX and TU you can force CapOne into a single pull since they rely primarily on EQ.
As I have said many times before, freezing your credit reports so that a lender is forced to pull a more favorable bureau is considered unethical at myFICO. Assuming that you are successful and receive an approval, many lenders pull from different bureaus for cli's and apr reductions not to mention the possibility of being double pulled. If your credit reports are insufficient for an approval, then it is best to work on those issues and apply when your reports are at their best.
