Yes, $1500, despite the fact that 2009 was a long time ago and capital one was way different back then. ur message gives me hope. I heard capital one used to hand out CLI's much easier , and then started to really buckle down around when COVID hit. And they have never recovered fully since then. but have no personal experience on.
Do you remember the CLI intervals you had? For example 1k to $1500, to 3k to 5500, etc? Any data points you can give me on how your limit grew could possibly give me an idea on how mine may grow. Possibly.
how long did it take? What were the numbers ? Etc
I appreciate what ur saying but I think that may only make things worse. The thing that give me anxiety is the unknown. I like to plan things out, I like to know that every December I will get a raise, every month on the first rent is due, etc.
the unknown about credit cards is the worst part, because like I said time is so precious, and the possibility that you can work towards sometbing for years, and not see any results.
Sometimes I wish they simplified things and the card issuers said " your current limit is X, if you make all your payments in full, then after 6 months your limit will be Y"
at least there is quantifiable growth
@KatzNDawgs @markhs777 @longtimelurker @Gregory1776 @Aim_High
Thank you all for your advice. I have taken this to heart and decided that I'm going to take the next 6-12 months to work on myself. Not over think, and see cards for what they are.
i feel I have the first part of the battle won, I had enough self awareness to recognize that I was an over thinker. And admitted to myself that you are all right, and I should work on my weaknesses.
now comes the part where I need to work on not being so obsessive (for lack of a better term) about my credit profile.
@Cblough93 wrote:@KatzNDawgs @markhs777 @longtimelurker @Gregory1776 @Aim_High
Thank you all for your advice. I have taken this to heart and decided that I'm going to take the next 6-12 months to work on myself. Not over think, and see cards for what they are.
i feel I have the first part of the battle won, I had enough self awareness to recognize that I was an over thinker. And admitted to myself that you are all right, and I should work on my weaknesses.
now comes the part where I need to work on not being so obsessive (for lack of a better term) about my credit profile.
Congratulations on your decision to work on yourself and stop obsessing about your cards, @Cblough93. This forum and other like it can be somewhat obsessive, and we all need to make sure we're maintaining balance. In my opinion, you've just been (1) too impatient; and (2) too anxious to control the outcome of your cards and profile. To address each aspect, let's get back to the basics.
- Use your cards normally and responsibly.
- Pay each card in-full, either before or after the due date.
- Apply for soft pull CLIs as lenders allow, normally about once every six months.
- Recognize that data points from My FICO and other websites may be misleading; you don't know all the profile details and may be making an inaccurate comparison to yourself. Also, lenders and the economic environment are under constant change. There are no guarantees. YMMV (Your Mileage May Vary.)
- If considering a new credit card account, slow and steady is the name of the game, especially for young, thin profiles. No more than one new account every six months is your goal. In your case, with four cards and a thin profile, gardening for 12 months as you suggested will go a long way with helping your accounts to age before seeking new credit. You already have cards with two of the most highly-respected and desirable lenders, AMEX and Chase. Build and nurture those relationships.
- Reevaluate your expectations about your cards. It's good to have goals, but they need to be modest and attainable. Remember that when you look at some of our members and their data points, their profiles are much different from yours including decades of credit history, various types of credit, dozens of opened and closed accounts, and perhaps much higher income or lower debt.
- Respect your cards. Credit profiles develop slowly; it is rare to experience sudden positive changes. Caretaking the profile you hold is more important than growing it since a brief period of mismanagement can cause major damage and may take a long time to repair. This is why, to answer your original question, ("When should I worry about AA?"), if you do the above and manage your cards well, you don't EVER have to worry about AA.
You asked about the growth of my Capital One card from $1K to $34K. I agree with the above posts that they may be irrelevant due to variations in profile as well as the difference in time frame. Nevertheless, I'll give you a summary since I've seen similar growth posts by other members in more recent history. Like most lenders, when Capital One gives a CLI, it is typically smaller at lower CLs and increases as the card usage and credit line grow, up to that lender's maximum increment. I didn't use my card at all for a few years and didn't always apply every six months for increases, so the time it took my card to grow isn't representative of what is possible. When I product changed the card to Quicksilver and found it more useful (back when 1.5% base earnings was industry-leading), it grew at about $1K increments; eventually $1.5K to $2.0K and finally reaching $3K increments for many years, once every six months and if I used it regularly before requesting the increase. In recent years, it slowed down to $1K increments again but, for some unknown reason, has grown like that with very little spending. (That is atypical so don't expect to replicate that growth.) All-in-all, Capital One cards usually grow slowly and steadily with usage and soft pulls. CITI cards have a similar pattern. I tell you all this to set your expectations. You may get approved for a much higher limit card in the next few years. Don't expect Capital One to suddenly match it.
Relax. Be thankful for the cards you have and take care of them. Enjoy the journey. 
@Cblough93 wrote:At what point would you say AA becomes likely?
for example I am currently intentionally letting my capital one card report 60-70% util (and I will to continue to do this for at least the next 3 or so months )
aggregate util ratio of 20-25% each month. So while my aggregate is under 30%, one of my cards is well over 50%. Should I be worried?
my main concern is Amex as I have heard they spook easily especially with newer accounts and theywill put a preset spending limit on your card if they see high util and then it can take forever to get out of the doghouse
If you're genuinely concerned about adverse action, you shouldn't be pushing the envelope by 'intentionally' maintaining high utilization.
Summertime next year youll be back with a nice CLI approval post, closing or opening a new account with a much higher SL, and were all gonna be so happy for ya.
Chase is great.. look foward to develping a relationship with them. they auto increased me twice, and for a while i didnt use my Amazon credit limit enough to justify it.
Had a balance transfer on the card and wasnt able to increase it earlier this year. they just gave me 1.5k a bit ago which is whatever now as the card is PIF now.
I havent ever spent enough on amazon and last year or so i canceled amazon after seeing i spent 11k on it. (over the year) most of the credit limit is going to go to a CSR if and when i get it, i want it because it looks cool, but want to travel more, but i am not going to enough to justify it soon so im waiting. i also am looking at closing my PCR because its never been auto increased, stuck at 2.5 didnt ever "Need" more but wanted it. i may be closing all my accounts with PenFed soon. sucks because the account is 7 years old, but im not letting it stop me. many here have alot of credit cards i like the people you see with 4-6 and limits like 50k. id love to slim down - too many credit cards is annoying. It is a game, you being here and thinking about it all the time is what makes us want more and more. time is a friend.
I am happy your going to take a step back. theres alot of great feedback the folks here shared with you. i cannot like their comments enough. 