This is 2 Threads In One... Lol
1) Does Cap1 offer Consolidation of Credit Limits? Can I turn my 3 cards into 1 bigger one?
2) I have 3 Cap1 cards... Is there a limit or can I keep adding more?
TOPIC 2:
Is Cap1 ALWAYS so skimpy with CLI's? Seriously... And is there a way or secret to loosening their belt...?
My wife has a Cap1 WM that is 13 YEARS OLD. Never Late.
Zero inquiries.
710 score.
Total debt of $700
The ONLY factors against her is that she closed ALL her accounts except this one card (the Cap1 WM). So she doesn't have but this one active... BUT has about 10 closed and ALL are Never Late. Including a paid off Auto Loan...
THEY ONLY APPROVED an Increase of $250... Really...?
And this card has taken 13 years to reach $1,300... It went from $1,050 to $1,300 today...
How is it growing so impossibly slow...
NOTE: Out of curiosity I applied for the Upgrade LOC (SP Pre-Qual) in Her name. $8,000 instant approval...
But her perfectly paid 13 year old card gets $250 for a total of less than $1,500...?
Advise...?
Thank you all! 
Cap1 Does not combine cards at this time. They always tell people that it may be back in the future but with no luck.
Cap1 for CLI's likes to see heavy use, and paying off the card for bucketed cards. I have seen many $100 increases. I have also seen a $1000 increase. So you never really know. You can always apply for a higher level card like the Savor One or Venture/Venture One and it may bear mow fruit.
13 years... sign to either play a new game or find some new issuers sauce
edit: nobody here can guess a SL (unless we have a CapOne underwriter hidden among us 
), i can say from reading a lot here people have had bucketed beginner-tier cards for a very long time and upon applying for the "tier up" cards were welcomed much better by Cap
Can you guide me please: Which cards are "bucketed" and which ones are top tier? Can you walk me up the ladder? From lowest crap card to highest tier card? So I'll know my path. Lol
Thank you!
@Charmante wrote:Wow @AllZero that is very intriguing... So a couple questions:
1) Can we open her a New Cap1 BUT KEEP this well aged one open?
Yes, you can apply for a new Capital One card. Yes, you can keep the well aged one open. I would recommend keeping old accounts open if they do not charge a monthly/annual fee.
If we open a new one (but do NOT close the old one) will the New Card still be rated Subprime or would it be rated Prime (even with the old one open)?
Not knowing the complete profile of DW. I would guess she has a better profile than when she originally had when first approved. Thus, she may be in the position to get out of the "bucket" by applying for a new Capital One card.
I would recommend checking out Capital Ones prequal site and see if there are any offers for their Prime cards.
2) Based off what I said: 710, no debt, no inquiries, paid auto, 7-10 closed Never Late cards (AVG. 9 years old), the 1 open WM Cap1 @ 13 yrs w/ $1,300 limit AND Upgrades offer of $8,000
Own home. Income of $100,000
What is your best GUESS of the SL on a new Cap1 App? Say a Venture or Savor...? Or Spark...?
I don't know Capital Ones computer algorithm and what they base it on. I can only guess DW would receive more a favorable starting limit and terms than previously.
The odds are in her favor. However, you or she would have to determine does she want to incur 3 hard pulls and if the card suits her spend.
There are a lot of lenders and reward cards out there. Take your time to research which ones are fitting her needs.
See comments in red.
@Charmante wrote:Can you guide me please: Which cards are "bucketed" and which ones are top tier? Can you walk me up the ladder? From lowest crap card to highest tier card? So I'll know my path. Lol
Thank you!
If the starting limit was $300 - $500, it's probably in a bucket. If no or slow credit limit increases in certain amount of time as you and DW has experienced, it's probably in a bucket.
That's what irks me the most is how the Pre-Quals do not advise WHAT you'll get...
Discover, AMEX, Citi, and Chase all Pre-Qualified her. But only say "Approved". Lol
Only 2 made full offers...
Upgrade @ $8,000
Toyota Visa (Comenity) @ $9,000
Truthfully not quite the limit we need...
We average about $10k-$20k monthly spending (so we just use our Debit Cards) SO would prefer a CL of $15-$35k...
Thought about opening the $8k Upgrade just cause it has good rates and I figure maybe the bigger limits would increase soon after?
BUT... The Disco, AMEX, Citi, or Chase MAY offer what we need BUT who knows? Silly they don't advise "THIS is what you'll get. Want it?". Lol