I only have my experience's to go off of unfortunately. Every card I have was a single HP except C1. This is why I said that. I love being able to learn from the wisdom of the folks here though. This forum has already helped me grow much larger and faster by every means vrs if I didn't use what I have learned from here. So thanks to all the DP's from everyone here.
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@RobynJ wrote:I've always wondered why Cap1's algorithm is designed to not reward their card members with CLI conducive to their Credit Profile and usage. I read all the time about how stingy they are with CLI but on the other end of the spectrum give cards to more undesirable candidates. I get the way the subprime market works but you would think that they would love to have those that passed the threshold into a better credit arena to want to keep that card and better their portfolio. I am just disgruntled that they treat you as a high risk even after you have proven you are not and your FICO now backs that with more factual evidence. My opinion is that "we" I want to feel accomplished by the reward of the earned CLI because it doesn't happen the way I desire it sort of makes me feel as if I am still a subprime risk rather than a revenue asset to them. Thoughts?
Its not personal. Scores get you in. Where you get in at is where you'll basically stay. Prime, sub-prime, starter, ect. Things are much tighter now than back in 2016-17 with them.
@DaWhole9Been stuck at the same CL with the 3 below. And thats after turning in 14g's because I was a newb and was scared I was passing my income. They were handing out CLI's back back then like candy. Oldest one over 6yrs. No soup for me either. But I do CLI's for fun. Always denied. Do I need more? No. Posted in the other Cap1 unpleased thread. Its basically all of us.
I will tell you what I did. I closed my credit card account and refinanced my Capital One Auto Loan and have effectively banned myself from getting another one of their products. Not playing that game.
