@FinStar wrote:
@Anonymous wrote:So if I charge 30 candy bars a month without much else, they'd be more inclined to give a CLI?
Doubtful. If their internal criteria or logic evaluates you have sufficient available credit and don't use a great portion of that fairly often, 30 separate swipes isn't gonna cut it. But, it's almost Halloween so give it a try. Maybe if you buy $15K worth of candy?
Lol. I didn’t literally mean something as cheap as candy bars but I think swipes are part of the equation. It’s all computerized with Capital One anyway so that would make some sense and has seemed to work for me. That said, I did purposefully float almost a full 60 days moderate to heavy charges between closing dates to drive up my balance without paying it off. (I paid no interest, just fully used my float and then PIF.) That’s an idea that can’t hurt either. I normally PIF several times monthly before statements cut. But I’ve gotten increases with monthly charges well below my credit line, just heavy use. Certainly no need to pay interest and carry a large balance to get an increase.
@Aim_High wrote:
@FinStar wrote:
@Anonymous wrote:So if I charge 30 candy bars a month without much else, they'd be more inclined to give a CLI?
Doubtful. If their internal criteria or logic evaluates you have sufficient available credit and don't use a great portion of that fairly often, 30 separate swipes isn't gonna cut it. But, it's almost Halloween so give it a try. Maybe if you buy $15K worth of candy?
Lol. I didn’t literally mean something as cheap as candy bars but I think swipes are part of the equation. It’s all computerized with Capital One anyway so that would make some sense and has seemed to work for me. That said, I did purposefully float almost a full 60 days moderate to heavy charges between closing dates to drive up my balance without paying it off. (I paid no interest, just fully used my float and then PIF.) That’s an idea that can’t hurt either. I normally PIF several times monthly before statements cut. But I’ve gotten increases with monthly charges well below my credit line, just heavy use. Certainly no need to pay interest and carry a large balance to get an increase.
I never pay before the closing date. I almost always PIF the day the minimum payment due is posted, but never more than the statement total.
@Anonymous wrote:
@Aim_High wrote:
@SoCalifornia wrote:
@Anonymous wrote:So if I charge 30 candy bars a month without much else, they'd be more inclined to give a CLI?
You're the one with the 27.5k CL with CapOne- was it candy bars? Beta test it, I axed the Cap since time ago.
Some people may disagree but I still firmly believe that most larger lenders have different levels (or tiers) of cards and the same consumer with same profile will get a higher SL, Larger CLI, and larger total limit on some cards more than others. Capital One’s Premium cards are Venture and Savor, so it’s rare to see QS limits as high as Venture/Savor without a lot more time and work, if at all. Just my observations.
My Savor card was a QS before a Savor. The CL has been the same since 7/2009.
At 3% utilization on a long-aged, high CL old QS, with $27k limit, probably bucketed to that limit, do you really expect a CLI? 
@NRB525 wrote:
@Anonymous wrote:
@Aim_High wrote:
@SoCalifornia wrote:
@Anonymous wrote:So if I charge 30 candy bars a month without much else, they'd be more inclined to give a CLI?
You're the one with the 27.5k CL with CapOne- was it candy bars? Beta test it, I axed the Cap since time ago.
Some people may disagree but I still firmly believe that most larger lenders have different levels (or tiers) of cards and the same consumer with same profile will get a higher SL, Larger CLI, and larger total limit on some cards more than others. Capital One’s Premium cards are Venture and Savor, so it’s rare to see QS limits as high as Venture/Savor without a lot more time and work, if at all. Just my observations.
My Savor card was a QS before a Savor. The CL has been the same since 7/2009.
At 3% utilization on a long-aged, high CL old QS, with $27k limit, probably bucketed to that limit, do you really expect a CLI?
After 10 years, yeah. 27500 is in 2009 dollars. The world has changed a bit since then. $27K isn't what it used to be, especially when my income is up 40K since 2009. Only asked to go to 35K.
If CCC started to offer 0% for 15 months, etc, like they do when you first open an account, I can see me running it up to 20K before the 0% expires. Maybe someday they make those kinds of offers again. Citi offered 1.99% for 12 or 15 months, the lowest I've seen since 2009.
My $2500 QS got a $3000 CLI after running about $1500 through the card over 3-4 months and after paying it down to $85. I had no luck with CLI with lower usage or having a $0 balance at the time of request.
My $3500 VentureOne got a $500 CLI after the same usage but having a $1300 balance at the time of the request. Same as the QS-no CLI at all with lower use or $0 balance at the time of request. This would be a better test had I declined the $500, paid this almost off then requested again. But alas...
Obviously this is my n=1, but for my future Capital One CLI, I’ll use well, pay down to <$100, then request.
My $3500 VentureOne got a $500 CLI after the same usage but having a $1300 balance at the time of the request. Same as the QS-no CLI at all with lower use or $0 balance at the time of request. This would be a better test had I declined the $500, paid this almost off then requested again. But alas...
Obviously this is my n=1, but for my future Capital One CLI, I’ll use well, pay down to <$100, then request.
