I got accepted for a Walmart (Synchrony then) in I think January of 2019, with a limit of $200. It was raised to $500 I think in September or something? (Right before the switch over to Capital One.) No CLIs since. I've asked many times.
I got a Cap 1 Quicksilver ($1K limit) about 8 months ago and recently asked for a CLI. They raised it by a whopping ONE HUNDRED DOLLARS! Woo hoo! So that was that. I didn't bother asking for a CLI on my Walmart card too.
Then I get this email this morning:
$2500! I didn't do anything, it was automatic. Is this because it's been a little over a year since I switched over to Cap One? In anticipation of the holidays? Because my score is better? (I recently lowered my util from 40-something to 3%.) I'm happy but surprised. Very surprised. We're talking about Capital One here!
Transunion FICO 8: 697
Debt to income: Very low (probably 5%)
Income: Very low ($22K)
Util: Very low (3%)
Age of accounts: Average 4+ years, oldest 20+ years.
Baddies: Two-year old 90-day late
I rarely carried a balance on my Walmart card and used it every month.
EDIT: Because I don't think it warrants another separate thread: Today I asked for a CLI on my Navy Fed Cash Rewards card. It was $2000, just got approved for $5000. This is actually very useful for me because the place I'd be most likely to have a big unexpected charge would be my car mechanic, and he doesn't take AMEX. (My two highest limit cards are AMEX cards.)
Gotta love auto luv
Early Christmas miracle? Congrats!