@longtimelurker wrote:
@Gmood1 wrote:Sigh..lol
You can have a very small reoccurring charge on the Cap One and be just fine OP. There's no minimum amount needed to keep limits. The goal is keeping it active.
I've put a $2 to $3 monthly charge on my Cap one set to autopay for over 3 years now. The limit is still the same as it was when I set up the reoccurring bill.
Have you been charging so little for a long time? A few of us were caught up in CLD action by Cap One for having high limits and low spend (NOT no spend), seems that you missed out! I went from $35k to $10K even though I was spending in the low hundreds a year
There have been cases where CLDs are happening with spend, even with high scores and low overall utilization, so 2 or 3 transactions a year I don't think will cut it if you want to avoid CLDs. Even my spend doesn't guarantee squat.
IME Chase does not require that much spend to be happy.
Amex likes high spend and PIF.
Cap One likes high spend, PIF or not.
My heavy usage (14 charges over the last four years averaging $3.01 per charge) is keeping my Cap One Quicksilver alive, but did not prevent a totally undeserved CLD from $16000 to $5000. 
@Anonymous wrote:My heavy usage (14 charges over the last four years averaging $3.01 per charge) is keeping my Cap One Quicksilver alive, but did not prevent a totally undeserved CLD from $16000 to $5000.
Apparently my 6K per year spend on the card isn't enough to keep my 27.5K line intact. Got reduced to 10K. I opened the card with 17.5K SL.
It's going around. Cap 1 CLDs are extremely contagious.
@Anonymous wrote:My heavy usage (14 charges over the last four years averaging $3.01 per charge) is keeping my Cap One Quicksilver alive, but did not prevent a totally undeserved CLD from $16000 to $5000.
This is just boasting about your disposable income "I can spend OVER $10 a year every year for 4 years!" Please be aware that not everyone has those resources.
@longtimelurker wrote:
@Anonymous wrote:My heavy usage (14 charges over the last four years averaging $3.01 per charge) is keeping my Cap One Quicksilver alive, but did not prevent a totally undeserved CLD from $16000 to $5000.
This is just boasting about your disposable income "I can spend OVER $10 a year every year for 4 years!" Please be aware that not everyone has those resources.
No, I am not. Otherwise, I would have mention that I also had 12 charges on my Barclay Arrival over the last three years averaging $2.53 per charge.
@Anonymous wrote:My heavy usage (14 charges over the last four years averaging $3.01 per charge) is keeping my Cap One Quicksilver alive, but did not prevent a totally undeserved CLD from $16000 to $5000.
@Anonymous wrote:No, I am not. Otherwise, I would have mention that I also had 12 charges on my Barclay Arrival over the last three years averaging $2.53 per charge.
I cannot imagine such opulence... When I grow up, I want to be just like you!
