CapOne Low CL

[Anonymous]

Hey 

So after I saw the ad on Uber regarding 20% discount on rides with quicksilver card, I decided to apply for one. I got a 15k Sapphire and a 7k Discover as CC accounts, and bunch of retail cards. My cards were always PIF and overall utilization is about 6% as I pay couple days before the statement is cut. Income is in six digits.  EX score: 727 and Transunion 737. Don't know EQ though. (CapOne pulled Transunion.)

After I filled out the application online, I got the message saying "you're approved". So I called in to ask about my CL, and they said it's 3k. Now to keep the utilization below 20%, that comes to about $600... That's just low. They didn't even match my discover card. I wanted to ask what my options are; I called the bank and they said "either keep it or close it it's up to you."

Is there anything I can do to make them realize this card will not be used if they keep the CL low?

Thanks,

[Anonymous]

Im sure it will grow! 

[Anonymous]

I cant imagine how many times a day they must hear that.

[CreditCuriosity]

Welcome to the joys of Cap1 and how they got their bad name initially..  Granted they have done alot to turn this around recently, it appears that you have slipped through the cracks for whatever reason and you didn't qualify for a higher CL for whatever reason..  Either email the EO and try to get it increased through that route.  Please just google it or do a search on the forum for this address or wait it out 6 months until you can request a CLI.  Best of luck