Bye Bye Cap One

[itguy_65]

They weren't growing with me, my first card, CL still at $5K, would never give me a CLI, so I closed it.  Very uneventful, didn't even talk with a live person, they won't miss me, so it seems!

[bourgogne]

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@itguy_65 wrote:

They weren't growing with me, my first card, CL still at $5K, would never give me a CLI, so I closed it.  Very uneventful, didn't even talk with a live person, they won't miss me, so it seems!

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sorry, you closed your oldest reporting card? bye bye score lol

[Appleman]

I still have my original Cap1 Plat Card that had an annual fee. PCd to a QS no AF, they would NEVER move my limit above the $3,800.

Applied for the Venture One per suggestions here and got a $20,000 SL.

So have both cards and run a monthly expense or 2 through the QS

[bourgogne]

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@Appleman wrote:

I still have my original Cap1 Plat Card that had an annual fee. PCd to a QS no AF, they would NEVER move my limit above the $3,800.

Applied for the Venture One per suggestions here and got a $20,000 SL.

So have both cards and run a monthly expense or 2 through the QS

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not to shift the thread, but if you maxed out the QS a few months in a row it would help move the cli along I think. congrats on the venture. high utilization and pif seems to work for cap1

[galahad15]

Lol, you guys are lucky tbh, my CL for my Cap1 card hasn't increased one bit (still at $1k) since I was originally approved for it in 2012, despite many and numerous pleas to Cap1    The only silver lining in it for me I guess is that even though my CL is super-low, I still get 2% cashback on travel purchases, which still makes it worthwhile enough for me to want to keep.

[pip3man]

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@galahad15 wrote:

Lol, you guys are lucky tbh, my CL for my Cap1 card hasn't increased one bit (still at $1k) since I was originally approved for it in 2012, despite many and numerous pleas to Cap1    The only silver lining in it for me I guess is that even though my CL is super-low, I still get 2% cashback on travel purchases, which still makes it worthwhile enough for me to want to keep.

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I don't mind sharing some of my Cap 1 limit with u lol 

[galahad15]

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@pip3man wrote:

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@galahad15 wrote:

Lol, you guys are lucky tbh, my CL for my Cap1 card hasn't increased one bit (still at $1k) since I was originally approved for it in 2012, despite many and numerous pleas to Cap1    The only silver lining in it for me I guess is that even though my CL is super-low, I still get 2% cashback on travel purchases, which still makes it worthwhile enough for me to want to keep.

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I don't mind sharing some of my Cap 1 limit with u lol 

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Thanks Mister!    I haven't given up completely on Cap1 tho, if and when I am able to pay off a substantial amount of my existing debt (hopefully soon), I will keep hitting up Cap1 for SP CLIs using the luv button until I accomplish my CLI objective with them, never fear 

[Anonymous]

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@omfgpart2 wrote:

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@itguy_65 wrote:

They weren't growing with me, my first card, CL still at $5K, would never give me a CLI, so I closed it.  Very uneventful, didn't even talk with a live person, they won't miss me, so it seems!

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sorry, you closed your oldest reporting card? bye bye score lol

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Agreed, and also...

Man, people act so entitled here about the credit they think they deserve. It's absurd. My first card was a Freedom for $200 and I thought I would never get a CLI, but I did after 4.5 years. I talk about it a lot, but I have never trashed the card and acted like I deserved more, but I do see a lot of people acting like that. So honestly when I see people complaining about CLs like $5,000 and even $10,000 I just have to shake my head.

And especially for Capital One, who seems to be inconsistent and leaning toward not giving people automatic increases. That's just how they operate. Closing a card for a low limit as the main reason just seems like a spoiled response. If there are other reasons like annual fees and whatnot, fine. But if you think you deserve more credit because your scores have become golden then I don't know what to say. If you think closing a card is the best option for a low limit, fine. It just doesn't make sense to me to broadcast it and act like the lender was treating you like dirt. You're just a number to the lender, nothing else. Especially not a princess.

[bourgogne]

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@Anonymous wrote:

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@omfgpart2 wrote:

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@itguy_65 wrote:

They weren't growing with me, my first card, CL still at $5K, would never give me a CLI, so I closed it.  Very uneventful, didn't even talk with a live person, they won't miss me, so it seems!

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sorry, you closed your oldest reporting card? bye bye score lol

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Agreed, and also...

Man, people act so entitled here about the credit they think they deserve. It's absurd. My first card was a Freedom for $200 and I thought I would never get a CLI, but I did after 4.5 years. I talk about it a a lot, but I have never trashed the card and acted like I deserved more, but I do see a lot of people acting like that. So honestly when I see people complaining about CLs like $5,000 and even $10,000 I just have to shake my head.

And especially for Capital One, who seems to be inconsistent and leaning toward not giving people automatic increases. That's just how they operate. Closing a card for a low limit as the main reason just seems like a spoiled response. If there are other reasons like annual fees and whatnot, fine. But if you think you deserve more credit because your scores have become golden then I don't know what to say. If you think closing a card is the best option for a low limit, fine. It just doesn't make sense to me to broadcast it and act like the lender was treating you like dirt. You're just a number to the lender, nothing else. Especially not a princess.

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I am with you brother, either credit is a game or a tool. I am unscrewing what I did to myself a decade ago. totally my doing. it takes time. for me cap1 was incredible, they gave me my start, without them I would have had a very rough time, i am sure of it. I am happy with my cls with them now, my next focus is pumping a ton through the fu to see if I can get the cl to move. if it does nothing then its fine, I dont need more than 40K and a npsl in my life. my theory is pump and pif ha-ha. sounds nasty but it seems to have worked for me. once the dust settles from my little spree I will hit 700 and walk away from all this for a while. you have a nice diverse assortment, I am sure that took a lot of work and patience, well done your efforts are obvious

[pipeguy]

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@itguy_65 wrote:

They weren't growing with me, my first card, CL still at $5K, would never give me a CLI, so I closed it.  Very uneventful, didn't even talk with a live person, they won't miss me, so it seems!

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Perfect !! 

I closed all my regular Cap-1 cards and next month the DW will close all hers (2 each) - I know some - okay a lot - of folks on this forum like/love Cap-1, that's NOT been our experience and I'm happy to see that YOU manage your credit profile as you see fit rather than beg for acceptance from a lender that doesn't value you. 

Note that my GM Card has treated me very well and its the exact opposite of my QS and Venture experiences.