@Jannelo wrote:
@Anonymous wrote:
@Anonymous wrote:I asked for a cli and they said they will review. I got a letter saying this below. I'm assuming it's a denial. I only use it twice a month b/c it only has a 1k limit.
A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.
I had to force CLI based on usage. Essentially, I started with a 1500 QS1 card and thought it was not enough of a limit to use it to breakeven using the 1.5% CB to pay for the 39 annual fee. So I forced it and ran it like a debit card! I would spend often and alot even though I had the cash. Then once the purchase posted I'd immediately cover it in cash. Best case scenario the rewards pay for the annual fee, worst case I am not paying interest on a card because I have the cash to cover the purchase anyway. I hardly paid Capital One interest (26% APR!?). Then when the CLI came around they gave me a 3k cli and shortly after that I was able to PC to the Venture One just to get out of paying that 39 annual fee. If you stick with the card, maybe using this method for a period of time will help. I read in a forum post that Cap1 essentially wants you to wear their card out with usage.
My QS1 CL is $1,500 also. I do pay several times a month on purchases. How much did you run through it a month? I don't want to waste a CLI request unless I think I will get something decent. I'm eligible to request a CLI as of this month.
Ask for the CLI, it won't be a waste. If you're not satisfied with what they offer you can decline it, then request for another offer at anytime you would like. You only have to wait out the 181 days if you accept the offer. 
