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Curious as to what people think as to what matters more to cc companies? If I spent 1k a month would they rather see 2 swipes for 500 or 50 swipes for 20$?
Looking at your sig line I'm wondering why you even give a fig about this crappy $1K card,
Very nice my Toyota is financed thru toyota itself and they only let you use debit cards for payment, grrrr.
I feel your pain OP. I tried to get my old Cap One Platinum's limit increased with no luck. I apped for a QS 3 months ago and tried several times after 60 days with no increase. I then apped for a Venture and low and behold after having the Venture for only a few weeks and passing the 90 day mark on the QS. They gave me a $400 CLI on the QS tonight. lol
Capital one does some odd things. But they sure give terrific SL's on some of their cards!
If you want a real nice limit, I'd app for the Venture and maybe throw the QS in there as well. Hopefully all on the same pull.
@Anonymous wrote:Looking at your sig line I'm wondering why you even give a fig about this crappy $1K card,
The main reason that I want to keep this card -- and if possible, extend on the current CL -- is because it is really the only true travel-redemption card in my portfolio. Also, I'm kinda not a fan so much of the higher APRs that most travel rewards cards (including those of Cap1's present card products) offer, whereas this card has a lower-than-typical APR for a rewards card, plus the 2% rewards along with no AF. The go-to APRs alone of the Cap1 Venture and QS that can be obtain right now are an incentive of sorts for me to keep this older-generation/discontinued Cap1 card.
@pizza1 wrote:
CCC like to see reasonable usage, not up to the limit either contrary to what people think. They also like lots of swipes.
Try decreasing your usage and see what happens, LOL..If you're using it a lot, do the opposite! They might notice the decline in usage and finally bump you.
That's actually what I'm currently trying to do, at the moment -- keeping balance at or near-zero, in the hopes they will come around
@Broke_Triathlete wrote:Sorry about your luck OP. I have read lots of people that have a hard time upping their older Cap 1 limits, but then apply for a new Venture and get a huge limit. I'm not saying you need to apply for a new card but that would be an option. With your scores being significantly higher than mine you should do well. However I've historically have had an average of less than 2% report, and rarely (1-2) times report 8%. Utilization isn't remembered, but I'm sure Cap 1 has taken note.
Interesting data point. My coworker has a lot better scores than me (similar to yours) but has 59% utlization. She got a $5K Venture and $3K Venture 1.
+1,
I got 10K on venture and 3K on QS Visa(regular) on 8/8. and 5K on Venture 1 on 9/10.
My 2 1/2 yr old QS1 is stuck at 2500. go figure......