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I've had my QS for over 2 years now, and still no CLI. Just tried for a soft pull request and got denied for not using enough of my existing credit line. I do try to keep my utilization low on each card and spread out my expenses across all 6 of my cards, so that's not surprising. I'm wondering if anyone has a sense of what level of utilization they're looking for? If you've gotten approved for a cli by Cap1, what was your utilization at? I'm open to moving some of my spend from other cards to my QS for a few months until I can soft pull again, but only want to if it's going to be enough to make a difference.
(FYI I don't think the issue is that I'm in a low bucket, my SL on this card is 10k, and I'm gardening right now so I don't want to just app a new capital one card)