If memory serves, Cap1 never actually sells your debt... They hold on to it forever and, yes, they are quickest to sue. That being said, if they have relatively loose lending criteria, I understand them being more aggressive on the collection end of things.
My QS is at $7k, but most of that came from card combinations. I was at the ceiling. But when I bit at the Venture, they gave me an instant $15k. 2% (effective) on everything isn't too shabby as long as I PIF each month. (Yes, if you choose cash back, it's only 1%, but if you redeem for at airfare or gift cards, it's 2%).
My QS is at $7k, but most of that came from card combinations. I was at the ceiling. But when I bit at the Venture, they gave me an instant $15k. 2% (effective) on everything isn't too shabby as long as I PIF each month. (Yes, if you choose cash back, it's only 1%, but if you redeem for at airfare or gift cards, it's 2%).
I'm in that group as well. My last two cli requests have been denied for what I think is a bs reason. They were great for starting my rebuild and getting an unsecured card to begin with, but the card is almost totally useless for me now that I've been approved for 5 figure starting limits with other lenders. I'll SD it until I close the account in 3 more years or so. The door has shut at Cap One bigtime.
Why wait to close it? 
(A decision I have come to on many cards lately-Consolidated down to 8)
(A decision I have come to on many cards lately-Consolidated down to 8)
I've elaborated on my CapOne history several times, but I have a VentureOne that began life as an HSBC card in 2004 at $5300, which became Direct Merchants Bank, then it was sold to CapOne around 2011. I had a $2000 and a pair of $500 CapOne cards that were opened sometime in the late 90s and 2002, one of those $500 cards was combined with the $2000 around 2003 (at the time I could not combine the other because CapOne would not combine MC-to-VISA accounts and vice versa). They also acquired another lender (Orchard which was also HSBC I think?) around 2012 and that card was $875.
When I began working on improving my portfolio and finally getting my debt under control a little over a year ago, I combined them all into the Direct Merchants account since it had no AF (knowing what I know now, I would have dumped them all into the oldest card and then done a PC to the VentureOne). The APR was a few points higher than 2 of the others also. So I combined $2500 Visa Platinum + 2 Platinum MasterCards ($875, $500) into my $5300 Platinum MasterCard to make a $9175 CL, then did a PC to VentureOne. Ran thousands through it over the summer, and always turned down for a CLI. No luck with APR reductions (I think with the latest round of Prime Rate increases, I am up to 25.99%). No luck with balance transfer offers. The card is completely useless to me and they seem to still have me pegged as the kid from 20 years ago new to credit. Not once in about 20 years of being a customer has Capital One given me a single CLI. FICO 08s are in the 730s and I have never had a late payment or other negative at any point in my life.
In a last-ditch attempt, I actually went for the "Apply for a new Venture card to get rebucketed with a real CL and low APR, then move on" method in February. Triple-pull, 7-day notice, and eventually declined for a credit card for the first time in probably 15 years. Meanwhile, I see countless people getting approved for that card with large 5-digit SLs, even with scores 30-50 points lower than mine, BKs, lates, and/or income that is a fraction of mine. Capital One is going to be the first one to hit the chopping block when I go on my next combining/closing spree.
