Cap1 CLI Denial Reason

[Mike360]

Unless you have a prime cap one account which it appears that you don't i wouldn't waste anytime with capone in regards to credit limit increases.

[Anonymous]

its cap 1 , not surprised at all

[bettercreditguy1]

Yes, I received the same form letter. Credit limit increase not available. Seems also the product has a top end cl of $ 750. or so. Anyway, I have sock drawered mine. Use it only for online purposes. Minimizes damage in a bad case scenario. MY af comes up later this year. I'll see if it is waived or not.

[OilFieldEngineer]

I had the same card for over a year and Capital One's solution to me wanting a credit line increase was for me to sign up for another card. So I actually ended up with two accounts for 750 each. Fixed that problem a couple of weeks ago though by closing both. Keep the account long enough to establish a positive history and get into a couple of prime cards and then retire the capital one it served its purpose. 

[bettercreditguy1]

Yes, I have several months  of positive reporting with cap one. I want to keep it around for another  year or two for the history.

In my wallet, Chase Freedom, Pen Fed Cash Rewards, Amex Gold Revolver and Cap One Master Card.

[jsucool76]

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@bettercreditguy1 wrote:

Yes, I received the same form letter. Credit limit increase not available. Seems also the product has a top end cl of $ 750. or so. Anyway, I have sock drawered mine. Use it only for online purposes. Minimizes damage in a bad case scenario. MY af comes up later this year. I'll see if it is waived or not.

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the top end CL for the non-prime cards is $3500, if you start with a $3000 initial and get the $500 credit steps increase, above that you probably won't get much more. The excellent cards go up into the 20,000-30,000 area. Amazing the difference there is.