Not sure how they estimate a cli. I have my Venture now for 3 weeks with a 20k limit & have already run over 6k through it. Should be closer to 10k in another couple of weeks. But I PIF. So no utilization to report. Sorry to hear. Please don't give up. You'll get there. 
I respect what Nixon has to say on here as well as others. Always good to get advice from the experts. They gave me a great credit education and I'm still learning.
@skorpyo3 wrote:
@redpat wrote:Why do you need an increase? Only spend 2k a month not close to 15k limit, plus additional cl you have on other cards including cap one.
i'm just trying to understand why you need an increase and does everyone use that many cards.
Also, it looks like most of your cards were opened in 2015. Let some time pass, what's the hurry.
just because everyone else hits the cli button it doesn't mean it's always a smart thing to do. It could mean cld in the future also.
Too much too fast isn't always good.
Didn't need an increase. Just wanted one like 95% of the other Venture cardholders on here.
With a recent BK7 showing... mid 600's scores and quite a few recent new accounts... seems legit.
@skorpyo3 wrote:
@TRC_WA wrote:
@skorpyo3 wrote:
Didn't need an increase. Just wanted one like 95% of the other Venture cardholders on here.
With a recent BK7 showing... mid 600's scores and quite a few recent new accounts... seems legit.
I get it. Amazing how you scored Sallie Mae and Amex with your recent BK. Maybe Ch 13 is more forgiving??
You'd think right? I mean, paying back creditors vs not paying back creditors seems like a no brainer eh?
Our situations are night and day different though. Yours was a 7, mine was a 13. You filed in 2012, I filed in 2009. I got an AmEx... 5 years after filing. I got a Sallie Mae... after having a Barclays Apple card for 16 months from 2013 to 2014.
My BK13 isn't recent... I was discharged 2 years ago after filing 6+ years ago and making 4 years of payments. Everythings falls off my reports in another 4-7 months with early exclusion. You have like 5 years for the IIB accounts to fall off and an additional 2+ years before the public record falls off.
Big difference. Huge.
@TRC_WA wrote:
@skorpyo3 wrote:
@TRC_WA wrote:
@skorpyo3 wrote:
Didn't need an increase. Just wanted one like 95% of the other Venture cardholders on here.
With a recent BK7 showing... mid 600's scores and quite a few recent new accounts... seems legit.
I get it. Amazing how you scored Sallie Mae and Amex with your recent BK. Maybe Ch 13 is more forgiving??
You'd think right? I mean, paying back creditors vs not paying back creditors seems like a no brainer eh?
Our situations are night and day different though. Yours was a 7, mine was a 13. You filed in 2012, I filed in 2009. I got an AmEx... 5 years after filing. I got a Sallie Mae... after having a Barclays Apple card for 16 months from 2013 to 2014.
My BK13 isn't recent... I was discharged 2 years ago after filing 6+ years ago and making 4 years of payments. Everythings falls off my reports in another 4-7 months with early exclusion. You have like 5 years for the IIB accounts to fall off and an additional 2+ years before the public record falls off.
Big difference. Huge.
Good for you. You should be proud of yourself. Thanks for taking the time to explain.
@skorpyo3 wrote:
Good for you. You should be proud of yourself. Thanks for taking the time to explain.
Not sure if there's sarcasm here or not but at any rate it's definitely not something I'm proud of.
I just have done the best I can at making the most of a crappy situation... and am glad it's almost over. 7 years is a long time.
Regarding your increase... it's obvious to me why you didn't get it.
Enjoy the $15k you did get.
Thank you! Just got 5k CLI this evening! 
@TRC_WA wrote:
@skorpyo3 wrote:
Good for you. You should be proud of yourself. Thanks for taking the time to explain.
Not sure if there's sarcasm here or not but at any rate it's definitely not something I'm proud of.
I just have done the best I can at making the most of a crappy situation... and am glad it's almost over. 7 years is a long time.
Regarding your increase... it's obvious to me why you didn't get it.
Enjoy the $15k you did get.