@JFox418 wrote:yep you'll be fine. The only thing I would be concerned about would be a statement closing with a balance over the limit. That would be bad, at least while it was reported. It would come back once paid down.
I can confirm that Cap1 likes spending and holding balances. Way more likely to give you Auto CLI if you do that. I had to carry some balances for a year or two and received 6 month Auto CLIs.
Hmmm, I pretty much don't carry balances, regardless of financial institution or card. In the 26 months since I got my first credit card after my Chapter 13 discharge, I have yet to carry a balance or pay a penny of interest in spite of the fact I've charged almost $90,000 on them. I did just log into my CapOne account and see my balanced dropped to the expected $19.99, so I should be good to go. 
@Horseshoez wrote:
@JFox418 wrote:yep you'll be fine. The only thing I would be concerned about would be a statement closing with a balance over the limit. That would be bad, at least while it was reported. It would come back once paid down.
I can confirm that Cap1 likes spending and holding balances. Way more likely to give you Auto CLI if you do that. I had to carry some balances for a year or two and received 6 month Auto CLIs.
Hmmm, I pretty much don't carry balances, regardless of financial institution or card. In the 26 months since I got my first credit card after my Chapter 13 discharge, I have yet to carry a balance or pay a penny of interest in spite of the fact I've charged almost $90,000 on them. I did just log into my CapOne account and see my balanced dropped to the expected $19.99, so I should be good to go.
Yeh, I definitely DIDN'T want to carry balances at the time but had to. Cap1 showed me they appreciated the interest I was paying. 
CapitalOne over limit update...
As I mentioned up stream, I paid the card down nearly zero (a few small charges posted between the day I went over limit and when my payment cleared) three days after running my balance from zero to about ten dollars over my limit. I again paid the card to zero just prior to the due date this month and today my latest statement was cut showing the zero balance. Figuring "no time like the present" I clicked on the "Request Credit Line Increase" link on my card and was happy to see they granted me a $1,500 bump to my limit. I figure that will cover me for the foreseeable future.
Congrats for the CLI. That should give you some leeway for your excursion during your travel.
@Horseshoez wrote:CapitalOne over limit update...
As I mentioned up stream, I paid the card down nearly zero (a few small charges posted between the day I went over limit and when my payment cleared) three days after running my balance from zero to about ten dollars over my limit. I again paid the card to zero just prior to the due date this month and today my latest statement was cut showing the zero balance. Figuring "no time like the present" I clicked on the "Request Credit Line Increase" link on my card and was happy to see they granted me a $1,500 bump to my limit. I figure that will cover me for the foreseeable future.
That's a really big CLI from Cap1. What was your CL, before the increase?
@Anonymalous wrote:
@Horseshoez wrote:CapitalOne over limit update...
As I mentioned up stream, I paid the card down nearly zero (a few small charges posted between the day I went over limit and when my payment cleared) three days after running my balance from zero to about ten dollars over my limit. I again paid the card to zero just prior to the due date this month and today my latest statement was cut showing the zero balance. Figuring "no time like the present" I clicked on the "Request Credit Line Increase" link on my card and was happy to see they granted me a $1,500 bump to my limit. I figure that will cover me for the foreseeable future.
That's a really big CLI from Cap1. What was your CL, before the increase?
I started at $3,000 in December 2020; I asked for a CLI four months later and got a $300 bump to $3,300. Last summer or early fall (don't remember exactly when) I asked for another and they denied me saying not enough time had gone by since my last CLI request. This time I got $1,500 which brought me up to $4,800.
Data points on how I've used the card; in the 20 months since I got it I've never carried a balance (although a few statements have shown a few trivial charges of no more than $50 which cleared between the due date and the statement date); that said, there have been two or three times now I've run in excess of $4,000 through the account within one billing period, and most monthly cycles show a transactional volume which handily exceed $2,000.
@JFox418 wrote:
@Horseshoez wrote:
@JFox418 wrote:yep you'll be fine. The only thing I would be concerned about would be a statement closing with a balance over the limit. That would be bad, at least while it was reported. It would come back once paid down.
I can confirm that Cap1 likes spending and holding balances. Way more likely to give you Auto CLI if you do that. I had to carry some balances for a year or two and received 6 month Auto CLIs.
Hmmm, I pretty much don't carry balances, regardless of financial institution or card. In the 26 months since I got my first credit card after my Chapter 13 discharge, I have yet to carry a balance or pay a penny of interest in spite of the fact I've charged almost $90,000 on them. I did just log into my CapOne account and see my balanced dropped to the expected $19.99, so I should be good to go.
Yeh, I definitely DIDN'T want to carry balances at the time but had to. Cap1 showed me they appreciated the interest I was paying.
I can confirm that you do not have to carry a balance or pay interest to get CLI from Capital One. I have never done either with Capital One but have gotten many auto CLIs and requested CLIs from them.
They do like heavy spend though.