Curious about Cap One

[JNA1]

Don't be hemhawin', lollygaggin', and pussyfootin' around - if you want at least $76 more in TCL, just say that! 😂😉🤷‍♂️

[Guyatthebeach]

AJC,

I've come to the conclusion that Cap1 hates everybody including me.  I have the Savor, Walmart, and Williams Sonoma cards.  All of them get used regularly, but I haven't been able to a CLI from them in ages.

Something else I noticed is they are sure taking their sweet time crediting my rewards for the Savor card.

Don't worry, AJC, you are going to get that $76.00!

Guyatthebeach

[Aim_High]

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@Junejer wrote:  Thanks, @Aim_High. My income certainly supports more than a CL of $5.1K. I'll give it a shot starting in Feb or Mar and see what happens. Might take it on my trip to Sint Maarten and use it there.

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Sint Maarten?  Shoot, bring me along @Junejer and I can help you run that bad boy up.  When do we leave?  Lol

[Junejer]

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@Aim_High wrote:

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@Junejer wrote:  Thanks, @Aim_High. My income certainly supports more than a CL of $5.1K. I'll give it a shot starting in Feb or Mar and see what happens. Might take it on my trip to Sint Maarten and use it there.

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Sint Maarten?  Shoot, bring me along @Junejer and I can help you run that bad boy up.  When do we leave?  Lol

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Headed out March 20. Will be thoroughly tired of winter by then. I’m already sick of single digits and snow every day.

[AverageJoesCredit]

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@JNA1 wrote:

Don't be hemhawin', lollygaggin', and pussyfootin' around - if you want at least $76 more in TCL, just say that! 😂😉🤷‍♂️

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Lol, how did you know?😁

Most would lol at $100 cli, in my case it would be Powerball baby

[JNA1]

So..

[AverageJoesCredit]

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@JNA1 wrote:

So..

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Lol already tried. Denial waiting in my inbox 🤑💳😄

[dangerously_caffeinated]

I guess I should consider myself lucky... I've been using a QS as my daily driver, within the past two months I got a CLI from 2350 > 5350 at my request. Again, I use it solely and just got the SavorOne so my plan is to use that as my daily driver and get a CLI within 6 months.

[Aim_High]

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@dangerously_caffeinated wrote:

I guess I should consider myself lucky... I've been using a QS as my daily driver, within the past two months I got a CLI from 2350 > 5350 at my request. Again, I use it solely and just got the SavorOne so my plan is to use that as my daily driver and get a CLI within 6 months.

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Great example, @dangerously_caffeinated.  Along with postings from other member's experiences, I've found that when I put little to any use on Capital One, any CLI is a firm denial.  When I put moderate to heavier spend, my limit will grow although not as fast as I would prefer.  Still, they are soft pull CLIs so in time it can add up.  I was averaging about $1K to $1.5K when my limit was lower (maybe less than $10K?)  and eventually they started giving me $3K increases.  Getting $2K increase on a $2350 limit is a VERY nice increase!   For data point purposes, how long ago was your last increase and how much did you spend on the card monthly in those interim months?  I'm guessing it was well over your total $2350 limit, perhaps even 200% ($4700) or more? 

For reference purposes for anyone reading and interested in a Capital One CLI, THIS THREAD has my last CLI approval with a lot of data points about spending. 

[dangerously_caffeinated]

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@Aim_High wrote:

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@dangerously_caffeinated wrote:

I guess I should consider myself lucky... I've been using a QS as my daily driver, within the past two months I got a CLI from 2350 > 5350 at my request. Again, I use it solely and just got the SavorOne so my plan is to use that as my daily driver and get a CLI within 6 months.

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Great example, @dangerously_caffeinated.  Along with postings from other member's experiences, I've found that when I put little to any use on Capital One, any CLI is a firm denial.  When I put moderate to heavier spend, my limit will grow although not as fast as I would prefer.  Still, they are soft pull CLIs so in time it can add up.  I was averaging about $1K to $1.5K when my limit was lower (maybe less than $10K?)  and eventually they started giving me $3K increases.  Getting $2K increase on a $2350 limit is a VERY nice increase!   For data point purposes, how long ago was your last increase and how much did you spend on the card monthly in those interim months?  I'm guessing it was well over your total $2350 limit, perhaps even 200% ($4700) or more? 

For reference purposes for anyone reading and interested in a Capital One CLI, THIS THREAD has my last CLI approval with a lot of data points about spending. 

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@Aim_High I had to go back and look at my statements. I just got my increase from $2,350 to $5,350 last month. In April of 2021 I went from an $850 limit to a $2350 limit. So - in less than a year I went from $850 to $5350 and I see no sign of slowing down. My usage from April - Dec to get my current limit was ~50-60% each month, with a PIF every month.