@Curious_George2 wrote:Denial Reason: Recent use of this account's existing credit line has been too low.
It appears there is a rule requiring an end-of-day utilization higher than some threshold between 44% and 66% within the last six months. I got this denial reason when my peak recent Util was 43%, but I did not get it when I had hit 66%.
There has been some question whether this rule requires a high balance to report on the statement. It does not. I received this denial reason when my most recent statement showed 31% utilization and my peak recent EOD Util was 43%. I did not receive this denial reason later in that same statement period, when my most recent statement utilization was still at 31% and my peak recent EOD Util was 68%.
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@Curious_George2 wrote:I changed my mind. I really want to get the limit on this card up to a level that is somewhat close to my other cards, and that requires jumping on CLIs as aggressively as I can. I'm not confident anything I do will entice them to raise their offer at this time. Also, the testing I had in mind would have required me to accelerate some spending more than I'm comfortable with. So I requested a CLI again, got the same $400 offer (not surprising, nothing much changed) but this time I took it. I will post it in Approvals.
Regarding amounts, here is my best guess at their standard offers right now when they grant a cardholder's request for a CLI.
If your limit is this Your likely CLI amount $1600 or lower, not in Credit Steps $100 $1601 to $2500 $200 $2501 to $3500 $300 $3501 to $4500 $400 $4501 to $7000? $500 $7001? to $9000? $750 $9001? to $12,000 $1000
I didn't get around to replying to your thread when it was fresh, @Curious_George2, but I have data points to contribute which might be helpful. My Capital One Quicksilver started life as a Platinum card in 2009 with a paltry $1K limit. 
I only got it when I was in the midst of juggling high balances and hoped to use it for a BT offer. While my other cards weren't nearly at the level they are today, that $1K low limit was still well below my other cards and essentially useless to me. I sock-drawered it for a couple of years, no BT and no swipes. When the Quicksilver came out, I was able to product-change it and started to use it to try to grow it. It was painfully slow. But not as slow as the increases in your table above. Without digging into old files, I believe my early increases back then were $1K at a time, so probably $1K > $2K > $3K. Then they stepped up to $1.5K so I went from $3K > $4.5K > $6K > $7.5K > $9K. I think it was around here it went to $3K increments. While you can do this every six months, I don't think I knew that per se or tracked it on a calendar. After a very long time, I finally grew it to my goal of $25K in March 2020!
Unfortunately, while I was doing this, my Quicksilver was slowly becoming more and more obsolete in my wallet. By the time I got it to $25K, I had begun to assemble my current list of several 2% or above options. (Now I've got AOD FCU, BofA PR, PenFed PCR, and GS/Apple which all earn 2% or more plus the Chase Quadfecta with my CSR which lets my CFU bump up earnings from 1.5% to 2.25% or more. So I have five cards that earn more on general spend.)
The Denial Reason above is the one I usually saw when I was declined. Funny, but I thought your 44% to 66% of CL was a high estimate. But when I ran the numbers between my last couple of increases on the linked data ($19K>$22K and $22K>$25K), I came up with about 46% on each one! However, I don't think the six-months is a factor as much as how much of the limit you've spent since the last increase. The figures in my list show when I was using the card more on a routine basis, so the charges were more organic since 1.5% on my QS and CFU were my best uncategorized cash-back rates at the time. But right before I tried for an increase, I usually pumped up the spend and started hitting the CLI request button until it passed. On the last one, I even processed a $4.6K BT Offer and immediately paid it off, which seemed to help meet the spending threshold. Obviously, like the GS Bank/Apple card, when you're looking at spending as it is related to credit limit, the higher your limit means the more you have to spend to get an increase. So my current 2% plus options combined with reaching my $25K goal and the high spend I would need to continue the trend were the reasons I decided that enough was enough. Now, I'm looking at the possibility that I'll need to put spend on the card or resign myself to closing it or letting Capital One close it. But it's served its' purpose and I'd be okay with that. It's one of a few cards that I really no longer need and my limits on other cards have risen enough to easily fill any void it leaves.
Hope this helps your Capital One data analysis efforts!
Here is the link to my final Capital One approval thread:
... And here is the direct link to my data analysis in Message 34 of that thread:
@Curious_George2 wrote:I regret that I have but one kudo to give to such an excellent post.
I want to take some time to analyze each bit of info you presented. For now, just... thank you!
You're welcome and glad to help out! Some of my experience is from many years ago so policies may have changed. Also the amount of CLIs may vary based on overall profile and whether the card started out at "bucketed." (It appears mine was not.) If that 45% to 46% figure turns out to be the magic spend number, Capital One may actually be stingier than Goldman Sachs on the Apple card, where about 25% to 30% of spend against the credit limit seems to yield an increase.
I don't know if any of my DPs will help, but here's what I got.
Cabela's (Capital One) MC:
SL $500 Oct 2015
^ $600 Aug 2020 - requested (after many denials through the years)
^ $700 Jan 2021 - requested
Capital One Platinum/Quicksilver:
SL $300 Nov 2015
^ $400 Jun 2017
^ $1400 Feb 2018
^ $2400 Sep 2018
^ $3400 Apr 2019
^ $4400 Nov 2019
^ $4850 Aug 2020 - requested
^ $5350 Jan 2021 - requested
[The CLIs not marked "requested" are those that I don't remember if I requested them or not. Most of them I did not.]
Cabela's card spending for the last year+
Dec 2019 $361
Jan 2020 $1229
Feb 2020 $1600
Mar 2020 $1114
Apr 2020 $761
May 2020 $1052
Jun 2020 $1442
Jul 2020 $1292
Aug 2020 $397
Sep 2020 $736
Oct 2020 $565
Nov 2020 $711
Dec 2020 $861
Jan 2021 $14 (I got other rewards cards.)
This spending is probably typical for the life of the card. Keep in mind this was a $500 card for most of this time. I was usually paying it off every two weeks when I got paid. Trying to keep my spend at $10k+ per year so I'd get 3% back at Cabela's. But I only recently started paying attention to the balance on the statement date. Looking back, I'm at 80-100% on the statement date more often than not. That probably worried them too much to give me a CLI. I thought the heavy spend would convince them I needed a bigger card but that obviously didn't work. NEVER missed a payment.
Platinum/Quicksilver spending for the last year+
Dec 2019 $1789
Jan 2020 $2526
Feb 2020 $67
Mar 2020 $516
Apr 2020 $329
May 2020 $503
Jun 2020 $1361
Jul 2020 $419
Aug 2020 $1389
Sep 2020 $3553 (Bought a $4k transmission for my pickup. $3200 of that went on this card.)
Oct 2020 $217
Nov 2020 $213
Dec 2020 $119 (Upgraded to QS)
Jan 2021 $62
This card was typically only used when the Cabela's card was maxed out.
EDIT: If I go look up what my statement balance was each month, that would probably be more helpful than the actual spend for each statement cycle, but this is something I had handy in a spreadsheet.
@Anonymous wrote:
Lol my $300 Platinum that grew to $8250 was certainly an outlier.
I'm getting there. My $300 SL Platinum is now a $5350 Quicksilver.
EQ8 775, TU8 763, EX8 772 as of June 8
