Cap1 only gave me $100 CI, Feel salty

[Anonymous]

@Anonymous I must be reading the post wrong or my math is off, totally possible since I haven't had coffee yet. I thought OP started with two cards @ $300 each, got auto CLI of $200 on both which brought them to $500. Requested CLI on both but denied for one and only received $100 on the other. 

[Anonymous]

@Anonymous 

You said that everyone else has given you decent increases, congrats on those cards that have produced nice CLI's!! It looks like the Cap One cards have done their work and helped you establish some great history. The starter cards got you started and that's a great thing! I agree with the others here, time to shut em down and focus on other options. 

[blindambition]

Congrats on your CLI!! Since both accounts opened with $300 SL, they are bucketed. They will always be slow growers, with small increases.

[Anonymous]

Satan you are probably correct.  I must have misread thinking it was an SL not a CLI.

[yzerman]

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@blindambition wrote:

Congrats on your CLI!! Since both accounts opened with $300 SL, they are bucketed. They will always be slow growers, with small increases.

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I get that the $300 SL cards will never grow much. I recently received a Cap One Platinum with a $1000 SL. Is that a growable card or is the entire Platinum line never going to do much?

[blindambition]

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@yzerman wrote:

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@blindambition wrote:

Congrats on your CLI!! Since both accounts opened with $300 SL, they are bucketed. They will always be slow growers, with small increases.

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I get that the $300 SL cards will never grow much. I recently received a Cap One Platinum with a $1000 SL. Is that a growable card or is the entire Platinum line never going to do much?

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Cards with SL of $1k or $3k have potential of higher growth. I caution not to rely on Cap One being one of your highest limits. Probably not in the cards.

Cards with SL of $300 or $500 can take YEARS to grow, eventually becoming stagnate. Getting CLI of only $100-$300.

[rostrow416]

You're not the only one.  They screwed me on a CLI a few months ago.  Just learned to expect stingy CLIs from Cap One so you're never disappointed.

[Ficoproblems247]

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@AllZero wrote:

Congratulations on your CLI!

Credit Card Asset-Backed Securities (ABS) and why some subprime card never grow or graduate

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+1 to taking the time to read this. It is an informative read and pertinent to the Cap1 bucketed card situation. 

[m00nScape]

I had a Cap Platinum which upgraded to a Quicksilver after 10 years. My limit now is $2k. But it took me a hell of a  long time for them to increase. Took about 7-8 years until I got an increase with no late payments.

[AndySoCal]

If these are  credit cards used for rebuilding your credit I would not even try for a credit limit increase.  I would apply the Quiksilver that is not for rebuilding credit or some other card you might like. Those rebuilder cards look like they have served their purpose .