I called Cap One today to ask for a CLI given that my accounts have been open for a year on 8/10, I have a perfect payment record and PIF every month, I have a good income ($120k me, $230k household) and I get pre-approved offers every week for Cap One Cash Rewards with a limit of $3000. I have two cards with them now, each with a limit of $750. My FICO score is ~650, which is better than the 575 it was in June of last year.
I was denied, and I asked what I could do to get the CLI and I was told that I needed to "work with the account." What that means, I have no idea and the agent wouldn't explain it. I was told there was no way to appeal the decision or to find out why I was denied; I will get a letter but it will say "you were denied because we denied you."
I am so frustrated I could spit. What can I do? Is it worth calling the backdoor number? Can I get another card and dump these bozos?