@iheartwings wrote:
Forgive me for typos, as I am on my phone.
The card was not combined. It was approved for $30k when I applied for it in June 2016. I got a $750 CLI somewhere along the way. It had the best rate of all of my cards, even though I've always paid the posted balance weekly.
It's okay. I would have preferred that they just had given me a $10k CL to start off, rather than just slashing the limit. Furthermore, they maybe could stop sending me emails to try their other loan products because I've been such a great QS VS customer.
Thanks for replying. If that's the limit you were issued I don't think it was right to take most of it back--but I guess that's the way they're going to do business going forward. 
Well this is certainly going to make me and others re-think combining accts to a $25K + limit---or have people who have been issued a dedicated $25K + limit looking over their shoulder going forward. And you'll probably see apps for Venture and maybe even QS go down as well. And I guess anyone who has a $25K + CL going forward will make sure to use a good chunk of it if they want to keep the full amount available.
BUSINESS 
We were all given the limits we have by them credithoarder.lol
Regardless if it was on one card or four cards. It's the same amount of exposure. So far, the majority I've seen reporting CLDs do a bit of micromanaging what reports to the credit bureaus.
Capitol one seems a little sensitive of that from the letters sent to a couple of the individuals.
Maybe they hope folks would take advantage of their balance transfer offers, while taking note of activity on other accounts..it's all speculation. Though that's my best guess until they reduce mine. If I still have the same limit a year from now..I'll know my theory was correct. Ha ha
Regardless if it was on one card or four cards. It's the same amount of exposure. So far, the majority I've seen reporting CLDs do a bit of micromanaging what reports to the credit bureaus.
Capitol one seems a little sensitive of that from the letters sent to a couple of the individuals.
Maybe they hope folks would take advantage of their balance transfer offers, while taking note of activity on other accounts..it's all speculation. Though that's my best guess until they reduce mine. If I still have the same limit a year from now..I'll know my theory was correct. Ha ha
@Gmood1 wrote:
We were all given the limits we have by them credithoarder.lol
Regardless if it was on one card or four cards. It's the same amount of exposure. So far, the majority I've seen reporting CLDs do a bit of micromanaging what reports to the credit bureaus.
Capitol one seems a little sensitive of that from the letters sent to a couple of the individuals.
Maybe they hope folks would take advantage of their balance transfer offers, while taking note of activity on other accounts..it's all speculation. Though that's my best guess until they reduce mine. If I still have the same limit a year from now..I'll know my theory was correct. Ha ha
Oh this part I def. understand. After reading this thread however I myself aren't going to put my accts. under the radar now by merging them into one large $30K + CL--granted over the last 2 years I have let somewhat large balances report on 2 out of the 3 which seems to be the reason I never got a CLI-LOL.. I think at this point it's better to let them stay 3 small-ish CLs.
@Credit-hoarder wrote:
@Gmood1 wrote:
We were all given the limits we have by them credithoarder.lol
Regardless if it was on one card or four cards. It's the same amount of exposure. So far, the majority I've seen reporting CLDs do a bit of micromanaging what reports to the credit bureaus.
Capitol one seems a little sensitive of that from the letters sent to a couple of the individuals.
Maybe they hope folks would take advantage of their balance transfer offers, while taking note of activity on other accounts..it's all speculation. Though that's my best guess until they reduce mine. If I still have the same limit a year from now..I'll know my theory was correct. Ha haOh this part I def. understand. After reading this thread however I myself aren't going to put my accts. under the radar now by merging them into one large $30K + CL--granted over the last 2 years I have let somewhat large balances report on 2 out of the 3 which seems to be the reason I never got a CLI-LOL.. I think at this point it's better to let them stay 3 small-ish CLs.
I don't think you have anything to worry about..as long as you let your activity report. The only card that doesn't report in my profile is a business card. Other than that, 90% of the transactions here are allowed to report to the bureaus. Probably 12 or 13 CCs at a time. Could be something they've uploaded to their system when performing soft pulls that flags certain accounts for low activity? In the last year I've run maybe a total of $100 through the $49.5k QS. If they leave it be it may get some serious use in the coming months.
@HeavenOhio wrote:
@Gmood1 wrote:
I don't think you have anything to worry about..as long as you let your activity report.I just got CLIs on my three Capital One cards today. On two of them, I haven't let a balance cut in months. On the other, I've been alternating between zero and small balances. I think that other than paying in full, which is always important, the main thing they're looking for is spending that's appropriate for your limit.
Thanks for the data points. I was referring to other cards outside of Capitol One. I agree, they could be looking at your spending across all accounts, not just theirs. I'm in that let balances reporting camp. I know some like to tweak scores(which is fine for big financed purhases). IMHO, showing a steady history of payments, outweighs having accounts that look good on paper but also look unused to other creditors.