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I have been reading a lot on this card. I applied for this card in May of 2016 and got approved for a $3K Limit. At the time I had a BOA card with a credit limit of $2k and an Amex Card with a $10K Limit. I used this capital one only for travel. So I have paid the entire balance off about three times now. A couple months in they increased my limit to $5k on their own. I asked for a credit increase because this card is at 50% Utilization and was denied because I do not make enough of a monthly payment each month. When I carry a balance I pay over the minimum payment. I have read a lot about this card capping people at a certain amount and no matter what you do you would be better off applying for a diff Cap 1 Card.
How much more than the minimum are you paying each month? CapOne is finnicky with stuff like this as far as granting CLIs are concerned.
Double usually, and triple sometimes depending. I had to go away for a funeral and put the trip on there. So the last payment or two has been double of the minimum payment. Cap one I am not entirely happy with, and when I applied for the increase they pulled a hard pull even though it states they do not do a hard pull.
After being denied multiple times for a line increase, and being low balled when they did offer one I put this card in the safe.
Capital One just does not like customers. You are a number.