Yep, it stinks! I have a both a secured Platinum card with them that's stuck at $1,302 and a Platinum PCed Venture World Mastercard that started at $500 CL and has risen to $6,500 over 5 years! I have no idea how the .02 got into that mix on the secured card, but the secured card no longer serves a significant purpose. I do wish they'd combine limits again, but I spoke with two CSRs and they won't. Plus, they halted their graduation on secured cards! So, if I wanted the money I put down years ago, I'd have to close the account. Ugh!
Here's my food for thought: Cap 1 irks me due to: small CLI increases over the years, recent security breach, unwillingness to graduate secured cards, and providing me better service/products. BUT, I do love them because they were one of the very few lenders who gave me a chance when no one else would. They extended credit to me for retails cards with better starting limits than their actual credit cards, and pre-approved me for automobile financing at a low APR and high amount. They're an odd pickle, but I do in some way love them and will remain loyal to them. I'd say, stick with them and in time they will show you some love in their oddly mysterious, algorithmic ways!
