Capital One is not a bad lender, but you need to have clear expectations. You cannot expect a low limit bucketed card of theirs to grow. These are sub-prime cards that are issued to you to help you rebuild your profile. I can tell you with 100% certainty that I would take a Platinim Cap1 card to help me achieve a rebuild over a Credit One or a First Premier any day of the week. My first Cap1 card started as a QS1 with a $1K limit. After 5 years of heavy use, 2 CLIs, and 2 PCs it's now a regular QS, but the CL is still only $5K. I would not expect this card to grow much higher than it is because I was approved for it when my scores and profile were way worse than they are now. After I built a relationship with them, cleaned up my profile, and raised my scores, they approved me for a Savor with a $15K SL, then gave me another $1K on top of that after 91 days. Since I was approved under far different circumstances for my 2nd card through them, it falls into a completely different category in their eyes. You just can't set the expectations that rebuilder cards will ever grow into high limit rewards cards.
