I have had my original "starter" (what you called Crap1) card for almost 4 years. They raised my initial $500 limit to $1000. It is still at $1000 and my FICO's are now 800 plus.
The problem is not CLI, it is product type. You have a high risk starter card. As long as you do, you will be treated as such.
Even though I have a $1000 starter card, I recently app'ed for a high end Cap One Reward Card (Platinum Travel Reward Ultra for Professionals) which requires Excellent Credit and limits up to $30k and was approved. So, on the one hand, I have a starter card that hasn't gone anywhere, yet they approved me for a high end card that will grow.
Some people go for a "product change" and I am not sure if Cap One actually does this (even if they say they do). Some people report having received CLI over time from small limits to larger limits. But I believe they did not have a "Starter" account to begin with.
Example: The high end (requires execellent credit) Cap One card I just got can have an initial limit as low as $500 but can go as high as $30k. The starter cards have low end of $200-300 and max out at $3000 if they give that much to you, which is not likely. I mean, if an 800, no derog, perfect credit and 6 figure income and having 4 year history perfect payment with Cap One won't budge the limit, I think I have made my point on "product type."
Moral of the story: If you want higher limits with Cap One you will probably have to app for different care with them once you have your house of credit in order.
Message Edited by txjohn on 03-26-2009 10:46 AM
