Well, thanks anyway Cap One..

[Anonymous]

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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.

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Exactly this. Was my 2nd card (QS). I was putting about 2-3k a month on it and was very quickly bumped to 5k. I've acquired other options since then. I don't expect to ever use this card again other than to keep it open. I don't expect any more CLIs either.

Theyre not ganna give you CLI if you don't use the card!

It's a great STARTER CARD. Most people only ever have 1 or 2 cards and for them this works well. If you're looking to diversify, then this is just for temporary use, It's done for me what I expected.

[Jerry45]

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

lol

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LOL. Same for me. I just made a $600 payment in Dec, requested a CLI, and said my payments were too low.

[kidink1911]

CO does rely heavily on use to get CLI, but don't expect one more than every 6 months. Good luck in whatever you decide!

CSP- $8,000***Barclay MC- $5,000***CO Quicksilver- $3,550***Synchrony Walmart MC- $2,400***BOA Travel Rewards- $2,000***BP- $600***CF- $500***Credit One- $450***Milestone- $300

[Random_idiot]

There's always those that assume that there's no usage on the card and jump to conclusions.

1. I have been using Cap 1 for a LOOONGGGG time, hasn't been as heavy as I got the new cards just 4 months ago.. Maybe that is the reason? if it is, thats a pretty dumb reason.

2. My CLI should be a given as I've had this **bleep** Cap 1 card for 3-4 years and only asked for a CLI once 6 months ago.. jk, Im not too worried about it. My AMeX already surpassed this within 2 weeks of opening it.

[DeeBee78]

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@Random_idiot wrote:
There's always those that assume that there's no usage on the card and jump to conclusions.

1. I have been using Cap 1 for a LOOONGGGG time, hasn't been as heavy as I got the new cards just 4 months ago.. Maybe that is the reason? if it is, thats a pretty dumb reason. You said yourself that you're not using the card right now, so forgive us for taking your words at face value. Specifically, you said, "Nope, only use my Chase cards with the occasional AMeX and occasional Disco." 

2. My CLI should be a given as I've had this **bleep** Cap 1 card for 3-4 years and only asked for a CLI once 6 months ago.. jk, Im not too worried about it. My AMeX already surpassed this within 2 weeks of opening it. You're not owed anything by Capital One. Like you said, you have other cards that can meet your needs. 

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I'm "eligible" for a CLI on my QS right now, but I'm not able to get one either, and it's the same reason - my spend is too low. You have to use it a fair bit, and consistently to get those bi-annual CLI's out of them.

All they're doing is limiting their exposure, and I don't blame them one little bit for doing it. 

[Anonymous]

Approval profile/score plays a large factor in Capital One accounts for some people.  What I mean is that if you get approved with a 600 score, fast forward a year or two when you have a 800 score you still may not get CLIs or if so only get $500 CLIs because your account is still viewed as being opened under less than stellar terms.  It's like Capital One holds a "grudge" with respect to that account.  Many have reported this.  I am one of them.  However, you can open up a brand new Capital One account with your better profile and get handed a limit 3X-6X the limit they won't let you above on your original CO card.  The strategy for many here is to open a new account at some point and move the limit from the first card on over to the new one.

[Sexyblue]

I get the same LAME reason also – account not available for increase.  I remember reading on this forum that “you do better by reapplying for another Cap1 card to get a larger limit and better terms”.  It seems they hold on to your same profile for the current card you have however, but look at you differently when you get a new card. This is the gist of what I gathered reading this forum over the years on Cap1.

This is my speculative view – but there is anecdotal evidence of people getting better cards and higher limits, while not getting CLI on current cards with years of use/spend/pay.

[Anonymous]

I agree 100% above.  I don't even think it's speculative at this point to be honest as so many have illustrated this behavior.

[bk510]

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@Jerry45 wrote:

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

lol

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LOL. Same for me. I just made a $600 payment in Dec, requested a CLI, and said my payments were too low.

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I was given this same message lil while ago with 550 balance on my QS Visa at the time. Did a BT to Barclay and after BT was complete I hit the love button and got 2K CLI.

And this method also worked for my Sony P/S card ( BT'ed 600 to Discover and again after BT was complete, hit the love and got 3K CLI

[bk510]

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@Anonymous wrote:

Approval profile/score plays a large factor in Capital One accounts for some people.  What I mean is that if you get approved with a 600 score, fast forward a year or two when you have a 800 score you still may not get CLIs or if so only get $500 CLIs because your account is still viewed as being opened under less than stellar terms.  It's like Capital One holds a "grudge" with respect to that account.  Many have reported this.  I am one of them.  However, you can open up a brand new Capital One account with your better profile and get handed a limit 3X-6X the limit they won't let you above on your original CO card.  The strategy for many here is to open a new account at some point and move the limit from the first card on over to the new one.

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+1