Capital One Denials!!

[stonedog23]

All of this great advice in this thread is great, but the OP simply has a bucketed Cap 1 card, plain and simple. It isn’t going to grow because it was obtained when the OP had bad credit. All of the credit denials will have info that isn’t necessarily true, but will feel like they have to put something down on the pages. They will use months old scores and scoring models like the Fico bank card score 5, not  Fico 8 or 9. I know, I have a bucketed Cap 1 card that I’ve given up on. No amount of usage or score change will affect Cap 1’s decision for a cli. I won’t get one, neither will the OP. 

[Anonymous]

Most often credit limit increases do not boost your FICO scoring, unless it's a significant increase.
Let's say you have a credit line of $500.00 and your given a credit limit increase to $5k that will better your FICO score.
In the same many believe paying more than the minum payment benefits FICO scoring but for the most part it doesn't if your paying off, while increasing debt on another credit line.
For the most part a creditor not only looks at your most recent credit file they pulled for you, which may be month's earlier, but will look at the over all picture of your financial habits.
If one is carrying a considerable amount of debt, and pay down debts in a responsible manner, but yet replace that spending on other accounts the financial risk remains the same in the over all picture. (Excerpt "Unlocking The United States of America").
Of course some creditors like you more if you use more of their services than competitiors, which makes logical sense.
Let's say you have 15 accounts 5 open loop, and 10 closed loop cards.
Out of the 5 open loop accounts you have 4 with another creditor, and the remaining 10 closed loop accounts 6 are the same.
So you have 7 total accounts from the same creditor.
It would be logic to assume you would be better paying a higher chunk above the min payment amount on the accounts you hold in use for the top user, than the remaining creditors.
Since creditors such as Capone always look at the entire financial portfolio, even if you use their credit servicing, they will hold you back on credit limit increases, because you owe more to competitiors. And it's made even worse if you carry a high balance on Capone open loop card, and then have a heavy use of competitors, because they will feel, instead of being a gluton, you should have paid off your debt to them, before creating more debt somewhere else.

Credit is not written in stone, it starts with a potential debtor, and is weighed by market. One of the most important and informative places you can get data in regards as to where an economy is, or is heading, is in the most likely place called the Federal Reserve.
And while they are ratgher secretive in their in house choices, they are required, and do release rather detailed data on nearly everything financial.
From housing, to income, to employment, to potential bad signals in any area.
I highly recommend individuals to make it a point to better educate themselves not only about their personal financial status, but also how outside forces could directly effect them both positvely, and negatively.