@KSK1912 wrote:
@Rebuilding69 wrote:
@Bman70 wrote:
Just no.. You can't make five $100 payments, then a $2500 payment and suddenly have a history of paying $500 a month. You paid $100 each of those months. Still, if your min. due was $25, I would think paying 4x that certainly qualifies for a CLI. Sometimes they pick one reason but they actually have several. Good luck with it, at least it sounds like you'll have a CLI before too long.
hmm ok, it was actually 3 payments of 100, then 500, then 2016. Isn't an average a sum/period? Guess I didnt pay enough attention to math class lol. How do you come to the monthly average payment then?
Actually i don't think their math works that way. If you would have made $100 payments a few times thru out the statement period, then maybe you would be right, but If you owe $3K on a card and you make $100 payments for 3 months, you are not really paying much towards the debt. I have a barclay Apple rewards card with only $2K limit. Got the card mid october 5th, and ran almost $13K by christmas all paid off in full. Now it's been 7 months, almost and i was really expecting an auto cliby now (maybe at 6 month), but did not happen. How much was your statement balance when you made those $100 payments?
The $100 per month payments were made the first 3 months of the account opening, so the balance was like $500 max before I had made the 3rd $100 payment, so $200 balance after the 3rd $100 payment. Think the balance was like $100, then $200, then $500 total the first 3 months. I dont have access to my account currently so going off memory, but it was close to those numbers. After I saw the monthly payments too low message, I charged up to $1k on the card, then made a $500 payment, bringing the balance to $500. Got the same message the next month so I charged up to $2k or so & paid the full balance in one month. Still the same message after that.
I'm not worried about it anymore. I've currently sock-drawered that card, and will just combine it with my other QS to make a $10k QS. I've got much higher limit cards whose companies don't give me these nonsense reasons to not give a CLI, and give me CLI's for using their cards. I'll give my money to those other companies instead. 
Nothing personal to Cap1, it's just business.
Just checked my QS Visa again for a CLI. The website said my QS was OK'd for a CLI!! ... for a whole $400 more. At this point I feel like I'm getting trolled by them. 
I declined it. Not taking a $400 increase on this card for a 6 month period after spending 1000's on it already after just a couple months. Right now my NFCU card is getting love as well as my Amex & Chases.
Cap1 can crawl back under the rock.
I've used this card far more than my other 2 cards from Cap1. In fact I've used it more than the other 2 combined. This card is actually my lowest CL with Cap1, so they must have massively updated how much they want me to run thru this lower line card. I've spent near 2x the balance of my other 2 cards combined.
Somehow I doubt waiting 2 weeks is going to make a difference in the CLI on this card, but I'll play along.
That's exactly what they offered me a few months ago; a $400 increase. I declined it, and then I tried again in about 2 weeks and the offer "magically" increased to $2,000... with no change in my activity. They're a little bit odd--but they were the only ones who gave me a chance in the beginning of my rebuilding journey, so they'll always have a special place in my heart, LOL.
@Rebuilding69 wrote:Just checked my QS Visa again for a CLI. The website said my QS was OK'd for a CLI!! ... for a whole $400 more. At this point I feel like I'm getting trolled by them.
Cap1 can crawl back under the rock.
Strangely, they stopped using the "average payment too low" message right after my 0% promo period expired. Now they're offering me a generous $400 cli. Giving it a couple more months of checking to see if if changes lol.