Hello All -
So I've been rebuilding credit for over a year now. Just found this site a month or two back and now I'm active in it. I have two Capital one accounts... one of which is the Quicksilver one. I got the card in January of 2014. According to my credit reports, I have zero missed payments. I was "late" by two days in November of 2014, which I called them ahead of time to let them know. They were ok with it, but I believe that they internally see that as a missed payment. Other than that, I've been perfect.
With that being said, I had started out the the $300 CL. After the first 6 months I got the $200 bump to a $500 CL. Looks like going back and forth in this thread, some people feel it's better suited to call (which I'm always for talking to somebody, as opposed to a computer making the decision). I'd like some sort of increase. I feel I've earned something, and I would like the increase to lower my utilization even more.
It's worth noting that I spend about $1700/month on this card, but I still keep my overall utilzation under 30% (on this card and others). I imagine they would see this and realize it's a good thing, right?
My other card with Captial One is the Platinum card, which I've had since '07, still with a $300 limit.
Anything else I should be aware of going into this CLI request?
