Update:
CapOne gave me the option to combine my QS with a $950 limit into my new Venture card (oddly enough the day after I called and complained about the process the option showed up in my app). Anyway, I'll be combining this card since it's hardly used. That would bring the Venture to an available limit to $2,950. Given their policy of combining "resets" the CLI 6mo clock - combining now right after the card was issued might be favorable for me since less than 14 days have passed since the account opened and I can request another CLI within the 6 mo mark. Making this thing my daily driver!
I applied and was pre-approved for an AMEX Blue Cash Preferred with a whopping $1K SL (eyeroll). It gets my foot in the door and I'm going to recon my starting limit as soon as my card arrives since I have decent scores and the income to justify a higher limit. Hopefully, me bringing up a willingness to provide W-2's eases the rep, I've been with the same company for 5 years and growing income each year.
After the AMEX application, I pulled my Experian report via the app since I've received such low starting lines on the Venture and AMEX BCP. Figured out what's causing all my starting limits to be so low. I have an OLD card from 2011 that was closed as a charge off, I didn't know until after the fact since someone else was using it. This individual wasn't an AU but their name is being reported on other items on my report. I settled up on this immediately in 2015 and was under the impression that it was going to be removed from my report or corrected (not sure what the terminology is). Either way, I am going to begin the dispute process this weekend to have it removed from my report. Hopefully, this works out in my favor.
New Scores:
TU: 701
EQ: 711
EX: 705
