so done with Capital One/rant

[Anonymous]

---

@Creditdreamer wrote:

What is your spend on the cards?

---

I use to spend $250 out of the $750 until someone on here told me don't worry about the 30% just use the card and pay it multiple times in the month. Now I put everything on it and pay it off.

[NoAnchoviesPlease]

---

@Anonymous wrote:

When I look on here and see someone that had their cards 2 or 3 months and hit the luv button and get increases I wonder what am I doing wrong.

---

@Anonymous wrote:

A year? I had a QS1 for 7 years and couldn't get anything out of them. Closed it.

---

---

Same here. I did get a $250 CLI and QS PC last year after 7+ years of platinum... now a whopping $1k. Tried online, chat, and eventually EO was able to so generously bump me up. 

I'm thinking about applying for a new card next year and moving some CL over... wanted to dump them but will give them one more chance. Still $1k more than DCU was willing to give me.  

[Anonymous]

---

@NoAnchoviesPlease wrote:

---

@Anonymous wrote:

When I look on here and see someone that had their cards 2 or 3 months and hit the luv button and get increases I wonder what am I doing wrong.

---

@Anonymous wrote:

A year? I had a QS1 for 7 years and couldn't get anything out of them. Closed it.

---

---

Same here. I did get a $250 CLI and QS PC last year after 7+ years of platinum... now a whopping $1k. Tried online, chat, and eventually EO was able to so generously bump me up. 

I'm thinking about applying for a new card next year and moving some CL over... wanted to dump them but will give them one more chance. Still $1k more than DCU was willing to give me.  

---

Wow 7+ years. After getting all the replies and opinions from everyone here I'm going to keep it and hope that it will eventually grow.

[NoAnchoviesPlease]

---

@Anonymous wrote:

---

@NoAnchoviesPlease wrote:

---

Same here. I did get a $250 CLI and QS PC last year after 7+ years of platinum... now a whopping $1k. Tried online, chat, and eventually EO was able to so generously bump me up. 

I'm thinking about applying for a new card next year and moving some CL over... wanted to dump them but will give them one more chance. Still $1k more than DCU was willing to give me.  

---

Wow 7+ years. After getting all the replies and opinions from everyone here I'm going to keep it and hope that it will eventually grow.

---

Oops. Make that "just short of 7 years" ... like about 2 months short I think. I'm now just over 8 years with them. I'd had other even crappier cards before, and an auto loan that ended with a class action settlement Wonder if they're still pissed about that a decade later. 

[jeffery581]

Get your fico above 700. Takes time. Work on anything bad on reports.

[Anonymous]

I started with a Cap1 secured card for $200 12/14. Used it for everything and paid it off a couple times a month. 2/15 I picked up their QS1 for $1000. Used it for everything and PIF several times a month (and threw one or two small charges in the secured card just to give it some usage). Each card eventually got $500 CLIs and then no love whatsoever since. (Keep telling me I have to wait 6 months for another CLI and I can't combine my products.)
So just last month I apped for their Venture (site showed me pre-qualified) and was instant approved for $20k.
Only thing that had changed between Feb and Nov was the addition of an Amex BCE in Aug with a $2k limit. FICOs in the mid-high sixes.
Go figure.
They are deep in the "YMMV" end of the pool.

[Anonymous]

^ the last line of your post is the most relevant part in this whole thread lol

in december of 2013 i got the platinum for $300. never got ANY CLIs or anything all the way up to june 2015. closed it that month and in november 2015 got the QS and venture..

[Nova5041]

I have been with capital one for 4 years, and they were the only bank to give me a secured card. For the first 3 years, I payed my bill every month, but had no clue about utilization and sending in larger payments. Therefore I never got a PC or CLI increase. Until I played off my bill every month, then they sent me invite for the QS card(500 cl), which I then made multiple payments an used 90 percent of my cl. Then I started to get the cl increases and that open the doors to other credit cards/banks, because no one likes to be the first. Lol! So just put heavy use on the card and pay in full every month, and give that luv button some luv, and you will soon get the PC or CLI you want. On a seperate note, I have constantly received CLI hitting the button every 3 to 6 months.

[takeshi74]

---

@Anonymous wrote:
When I got my card my credit was 550 and now 655-670 and I can't get a PC, CLI not even another card out of them because they claim I have too many cards... Really? I have 2 cards.

---

Your credit profile always matters.  2 is too many for your profile as far as they are concerned.  You can rant against CO (or any other creditor) all you want but it's your profile that needs to improve to qualify.

Review your reports and work on the deficiencies instead of relying solely on time.

---

@Anonymous wrote:
It's been a little over a year that I've had my Quicksilver one card and I can't get anything out of them.

---

A year is no time at all in the credit world.  You're not simply entitled because X time has passed.  Creditors do not simply hand out CLI's, APR reductions, etc in exchange for time.  Your credit profile and your income must meet a given creditor's underwriting criteria.

[Anonymous]

I am sorry to hear your having these problems with Cap 1.  I started with a Platinum card that was upgraded to QS a couple months later.  I made payments several a month and always at least triple the min due and in the 4th month of my steps i hit the luv button and they gave me a $500 CLI then at the 7th billing cycle bumped me to $1300.  I asked the CSR about another card and she told me since I only had one app in 90 days it was ok and got the platinum card with $500.  Havent asked for any CLI's since november steps increase. I figured I would leave them alone.  If you havent tried them yet give Synchrony Bank a whirl.  They have approved me for 7 cards in 3 months with very respectable CL's  They are a good bank for rebuiding  Dont give up on Cap 1 I am sure if they see other trade lines from another bank they may change their mind.  Good Luck and God Bless.. This is just my opinion every case is different I am merely offering suggestions based on my experiences.  Thanks