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I started at $300, went to $500 with baby steps.....still been sitting there for 6 months. Had the QS1 for a year now.
Denied me twice on CLI's. Also have a Platinum Secured which was initially a $99 deposit, for a $200 CL, then they baby stepped Auto CLI me to $500. That card is completely useless to me at this point.
Getting a bit frustrated with Cap One, they were a great life line to me when I started my rebuild, but they've been shafting me on CLI's.
My crummy Legacy VISA gave me a CLI to $750 after 4 months for God's sake.
On a side note....Cap One has been ASSAULTING my mailbox with Auto Financing offers, they're really pushing hard for Auto Loans these days.
@HeavenOhio wrote:I've seen QS1 limits in the high four-digits. But this card might also be in a starter bucket that doesn't grow very much.
The bottom line is that because of its fee, the QS1 isn't a keeper card. It needs to be product-changed (PCed) or closed as soon as you can reasonably pull it off. PCs are difficult with this card. The best recommendation is to use the card each and every month. I was able to PC two QS1s after 12 or 13 consecutive months of usage, and a handful of datapoints here indicate that consistent usage helps. The amount of spending doesn't seem to matter as long as the card is used.
@Anonymous, I've never applied for a 2% card because none of them are a fit for me. There's either a requirement that I don't want to meet (like maintaining another account) or I've rejected doing business with the bank (Citi, Synchrony).
I was able to PC my QS1to a QS after 6 months. It saw HEAVY usage (3X the CL monthly). I was supposed to get a $200 credit steps increase instead I go $3K so I called and was able to pull off the PC. At the time I didn't know that it was supposed to be hard to do that.