Well, thanks anyway Cap One..

Random_idiot · ‎01-20-2017

Opened this card 3 years ago, 6 months ago req for a CLI, got it for 1k. 6 months today, I requested a CLI, got the 2-3 day message.

Thanks for reminding me where I came from Cap One..

Time to put this thing back in the sock drawer..

sigh.. the things we do for the age of credit cards..

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

Aduke1122 · ‎01-20-2017

Sorry OP 😕 that sucks , are you still using this card a pretty good bit ? It seems to me they are only willing to repay increase those who use the hell out of their products excuse my language.

Random_idiot · ‎01-20-2017

@Aduke1122 wrote:
Sorry OP 😕 that sucks , are you still using this card a pretty good bit ? It seems to me they are only willing to repay increase those who use the hell out of their products excuse my language.

Nope, only use my Chase cards with the occasional AMeX and occasional Disco.

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

Random_idiot · ‎01-20-2017

Yup, reason given was: Your average monthly payment has been too low.

lol

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

DeeBee78 · ‎01-20-2017

Why would you expect a CLI if you're not using the card?

Capital One likes heavy usage, and large payments. If you want a CLI, use the card up to near its limit, then PIF. This shows them that the current limit isn't sufficient.

I've gotten where I am from a $300 QuicksilverOne because I play by their rules.

austinguy907 · ‎01-20-2017

I had a HSBC card that converted to Cap1 when they assumed their portfolio. It's stuck at $1500 but, it sticks around for age. Just forget about it and concentrate on AMEX / Disco as they will grow with minimal usage. I got approved for AMEX (10K) and Disco (4500) back in 7/2015 and with a few SP CLI's they've grown to a combined 92K with just $200/mo or so each month and timely CLI requests.

Anonymous · ‎01-20-2017

@DeeBee78 wrote:
Why would you expect a CLI if you're not using the card?

Capital One likes heavy usage, and large payments. If you want a CLI, use the card up to near its limit, then PIF. This shows them that the current limit isn't sufficient.

I've gotten where I am from a $300 QuicksilverOne because I play by their rules.

Not just their rules.....most cc company rules. If not heavy usage, at least adequate usage.

We are not entitled to CLI just because we want it.

Added* I think we should remember where we came from, it's a great incentive never to go back or fight like h*ll to not go back.

austinguy907 · ‎01-20-2017

@Justagirl73 wrote:

Not just their rules.....most cc company rules. If not heavy usage, at least adequate usage. - my previous response would differ
We are not entitled to CLI just because we want it.

We as Fico'rs know more about the inside track on most of the CCC's we post about. I've never been a heavy spender on CC's and about 2010 and beyond have had an average CL of 17K with a high of 29K and in 2015 was prompted to open the AMEX / Disco cards mentioned above.

If Cap1 isn't meeting your desires you don't need to spend a ton of money with them... just enough to keep it open every 6 mo's or so. Find something that has a known track record and will help you grow to where you want to be. This doesn't mean go get 4 cards from Chase or AMEX but, focusing in on some cards that work yet are diverse from different lenders.

The popular CU's on here tend to be easy for lending purposes and padding if that's what you're looking for. If you're looking for long term growth and stability then consider amex/disco. If you want to play games then hit up Comenity / Synch / Barclay / etc. Just take some time to read up and get some opinions before throwing your spear!

Anonymous · ‎01-20-2017

Ummmm....normally we agree, but you need to slow your roll this time. Your font is definitely coming for me. Not sure of your intent, just letting you know how it's coming across.

Op is not using the card. But they are disappointed in not getting a cli. If CO is truly not meeting his/her desires, then close it. But don't expect an unused card to yield high returns.

If you disagree, fine. But trust when I say, you haven't seen my spear.

austinguy907 · ‎01-20-2017

Girl.... We do agree.... I was pointing out our differences in the quoted text. The rest of it is a general message to the OP regarding Cap1 and other options.