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I'd take it, cause things happen and it could always go the other way too.
I think the 'wait' is for small CLI...like a couple hundred dollars. You've just tripled your credit limit. I think that's pretty good.
WTG!!!
I think you made the right decision
I definitely think you did the right thing. I received one small ( 1k ) CLI on my QS after about 6mos, 15k to 16k ( I'm not complaining about my 15k SL!!! ). I have had my Spark Business card with them for 11 years and have never been granted a CLI (no missed payments and always PIF), but I don't put much spend on it because I have better rewards cards. The sole reason given for CLI denial is that I "do not use enough of current credit limit." So, in my experience, Cap One likes to see heavy usage.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |