Cap1 and their measly increases

[kdm31091]

I don't think combining is the only way to get a decent limit with Capital One. If you open a fresh account (i.e., you don't have a QS that used to be from another bank, because those tend to not grow), give it 6 months, use it, pay it, use it, pay it, you will often qualify for a SP CLI and usually a decent one. Combining limits to get a large limit is an option, too, but either way you have to wait 6 months.

[Anonymous]

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@Anonymous wrote:

Looking back at my last few months with my Cap One Platinum, I ran over $1000 through the card each month with a minimum of 20 swipes on it per month (usually close to 30, or 1 per day on average) and I would PIF or let it report less than 1%.  Have had the card for 13 months and have used it like this the majority of the time.  Having only received two $500 CLI's, to me, is a slap in the face considering how much usage I've given it.

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This just contunues to keep me confused about Cap1 because I don't PIF every time I use it so I would also figure it would contribute to my smaller increases but I would assume you should receive something higher than $500. Then again I don't know your complete profile so who knows.

[Anonymous]

I received 3x CLI's ($1k to $3k) for both QS1 and Platinum after their fourth statements via luv button. The point being that larger CLI's are possible for rebuild cards.

I don't know why Cap One likes my spend and profile, but I'm grateful they do.

Edit:  Suggest doing your normal spend and payments, rather than trying to find a magic combination. We can drive ourselves mad doing that.

[Anonymous]

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@Anonymous wrote:

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This just contunues to keep me confused about Cap1 because I don't PIF every time I use it so I would also figure it would contribute to my smaller increases but I would assume you should receive something higher than $500. Then again I don't know your complete profile so who knows.

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In the 13 months since I got the card my average credit score across all 3 bureaus has gone up about 100 points so regardless of what my original profile was (which was fair, they approved me after all for $3k) clearly it's in a much better place today.  I'm just surprised that they don't see this.  The first $500 CLI I got was by hitting the button online which I know is done by a computer.  The second one I got just a few weeks ago though went through the EO so two actual human beings spent time actually looking at my profile... yet I still got another $500 CLI when I requested $6.5k.  It's fine though, I'm not sweating it as I'll be grabbing 3 new cards within the next month and I can almost bet my life all of them will have SLs probably double that of my Capital One which is going to quickly make that card obsolete.

[Aprile421]

I have not had that issue with Capital One. I started out with a $300 Platinum, PC'd to a quicksilver one. Went from $300 to $2500 limit via auto increase, hit the luv button and got another $3000 increase. PC'd to regular Quicksilver World Master card hit the luv button the other day and was granted another $5000 increase. I have had the card 2 years. Don't give up on them because once you start getting moved up the credit card tiers the increases seem to go up with it.

[Anonymous]

My QS started @ $500 with credit steps.

It's currently sitting @ $15k, opened Nov. 2014. If your profile suits the increases, you'll get them. If not, they'll throw $500 at you for **bleep**s n giggles. 

You need to put a good spend through your card to see a decentl CLI. 

[Anonymous]

turkey310 wrote:

If your profile suits the increases, you'll get them. If not, they'll throw $500 at you for **bleep**s n giggles. 

You need to put a good spend through your card to see a decentl CLI. 

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That may work for some people, but it didn't work for me.  I've been putting a 30-40% of my CL spend through the card for over a year now with a PIF every month and have only received two $500 increases. 

[earena]

I'm coming up on 2 years with them and my limit has gone from $300 to $500... No missed payments every... I have called and there is nobody to talk to about it. I am due to hit the LUV button next month and if it another $100 raise I am going to try writing a letter to the EO. I run the card and pay it off at least twice a month so I use it a lot. I see people on here with lower score than me with a $3000 CL after 5 months and I can't figure it out! LOL.

[Anonymous]

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@Anonymous wrote:

If you're not happy with them, just close the cards and move on.

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That was a useless and unhelpful response. If you don't have anything constructive to add, just don't respond.