strange, if you search the forum there are bunch of people who have received good CLIs within a year or so.
btw, is BT free for the card you have?
I have a Cap1 card, just 3 months old, I got a $250 auto CLI this month, now its at $750. I envied the guy who jumped from $300 to $1100 by calling the backdoor number and his auto CLI.
But looks like, Cap1 earning model is different from other banks besides the transaction fees.
First they don't care about less usage guys.
They probably hate people who PIF, they want to earn money from people who do not PIF.
They target people who "could" go over the limit, If you have another card with 10k limit, then they figure that you will never go over the limit on a $500 card.
Well, anyway, those reasons don't make any sense to me...
Since this is my first unsecured credit card, lets see how it goes.
Thanks for the info though.