The only CLIs that I've gotten with Cap 1 are the ones that are granted automatically through the automated system. I'll say this though, in my experience in order to get a credit limit increase from capital one you must heavily spend on the card, but not max it out. What I found is best is heavily spend pay a huge payment, heavily spend, pay another huge payment, all in the same month. Do that for a couple of months and you should be good to go as long as it's been many months since you've had any derogatory action on the account and a few months since you've maxed out. DP for my experience: I had Quicksilver One with $1100 credit limit and Platinum with $500 credit limit. Had some issues in the distant past, including a couple of late payments and constant max out or over limit in 2018. I started paying on time religiously and in fall of 2019 I started the heavy spend, multiple payments per month routine on the QS1. Tried for CLI around October and November and no go. About 10 days after my most recent denial for CLI, I hit the button again and they gave me a $2000 CLI all at once to $3100, which at that time was my highest limit by far. So I hit the button also on the platinum and denied. Did a month of heavy spend, payment, heavy spend, payment, all in the same month. Hit the button again after the month and they doubled me to $1000. Since then, as I wait for 6 months to pass so I can ask again, they've upgraded QS1 to Venture One and Platinum to QS 1. I am continuing to make large payments each month and sometimes more than once a month. My major challenge now is that I have also since gotten some other better credit cards and I'm trying to give some spend love to those cards too, especially NFCU Cash Rewards. I am hoping to either upgrade again to the Savor card with capital one, or to add a third card with them and make it Savor. The CSR told me that I can have more than two capital one cards. I'm pretty sure the limit of only two cards is when theyre the subprime variety. We shall see. I'm a little frustrated that I can't get the capital one prequalify system to tell me that I'm prequalified for Savor. I've gotten my FICO scores up high enough that I believe I should be approved. But I hate to risk the HP and get denied. So I'm biding my time. To be clear, by heavy spend I mean things I'm going to have to buy anyway, I just put on that card instead of using cash or a debit card or something like that.
