You could also see if capital one will upgrade your current card.
2 things I'd make sure of while building your profile. Keep your income updated on your profiles. I think many look at that to see if it's worth giving you a CLI based on the income. Just the other day, my coworker (who never updated his income) asked me regarding the limit and why it had never increased other then the first year (card is close to 10 years old). I checked his account and his income was the same for 10 years ago. He had requested a CLI around 6 months ago and was declined. I had him update his income and try again, and viola - he got 2X his current limit.
^^^ Very true, I update mine every year after taxes (or when I get a huge bump in pay)
Congrats on that punctual Audi. My car is always AT LEAST 15 minutes late.
Lol sorry sorry. If you’re willing to take a HP, you could always ask for an increase. If you don’t think you’ll get one, maybe go for that new card. Sounds like you’re in a bucket with your Cap One card. The best way to get increases, though, is HEAVY use and frequent payments. Good luck!
Cap1 won't grow in its current form. When you replace it with a non-starter though you have to use it heavily as someone mentioned to get it to grow. Cap1 in my book has a place and it's to start building or recovering from a bad profile. Once you've done that then it's beyond useful.
WF requires a call to CLI. Sometimes it's a SP if you hint at an APR reduction and follow up with if there's an offer for a SP CLI.
Care Credit is the oddball w/ Sync... they flip flop between SP/HP from the reports over the years but, if it's not being used it might be a stretch to get a CLI on it. Strong TU then go for it online, aim high like 25K and then let them counter back with their highest offer.
As to supplementing and expanding your profile and CL's.... what are you interested in beyond the 10K threshold? Points? Cash? AF/no AF? SP CLI's?