Comenity VISA , Cabela, Barclay, Capital One

Sorry moderator I originally posted this in the wrong spot. Average turnaround time for Comenity Visa and MC, Cabela, Capital One, Barclay,
‎07-20-2015 05:02 PMAll of the cards give a 7-10 day window for receiving the new cards, but I notice that some say it is sooner and others say it took even longer. Have 7 new cards coming and wanted to know your experience with turnaround times for receiving your new cards from: Sportsman's GuideComenity/ Total Rewards VisaComenity/ Good Sam/Camping World VisaBarclay Apple (already showing on reports within 2 days of approval)Capital One Venture, and Capital One Quicksilver VisaCabela Visa

Mackinac wrote:
Sorry moderator I originally posted this in the wrong spot. You actually posted the original in the correct forum (CCs) just like you did this one. I removed the first one for you. Have a good eve

Similar Messages

HT6288 Does Apple Pay Support the Visa (Quicksilver) CC From Capital One

Sad to say that Apply isn't available for my GM Master Card from Capital One because it's has rewards features.
I'm planning to obtain a VISA Quicksliver CC fro Capital One. It also has reward features, does anyone know if this card is acceptable for Apple Pay ?

It should work fine. The rewards have nothing to do with not working. I also have a GM Master Card from Capital One. Only straight Capital One cards currently work ie: Quick Silver, Venture, etc. These cards are directly from/by Capital One. The Store/Company branded versions of Capital One will roll out later in the year or next. GM could not tell me exactly, but I would assume it won't take too long as more consumers will be asking that the branded cards be added to the list. Several new banks were added just this week. Before then only the major banks ie: Chase, Bank One, etc. were good with Visa/MC, now my bank USAA has been added. Hopefully the Store/Company versions of these cards will be added soon.
RCH

Capital one and comenity success

Wow. Been lurking the boards since October 14 . In December I was approved for a capital one secured and put 200. Skip forward to this month . Every now and then I put my info in on capital one card match with no luck until this month where they recommended a platinum card. Approved for 500 dollars! Not long after that I see that my nearly maxed out secured card was bumped up 300 unsecured dollars for a total of 500!! Was not expecting that! Today shopping cart trick worked for buckle and express with 250 limits. Scores in the 595 - 610 range. Finally feel like I'm getting somewhere

CONGRATS on your progress!!!

Capital one Approval!

So i'm working on rebuilding my credit after getting my chapter 7 discharge in february. I was planning on opening a second secured card next week, but decided to go ahead and try the capital one pre qualifier just for the hell of it. To my surprise they said I was pre-qualified for the Capital one Platinum, and the QuicksilerOne card. So I went ahead and applied for the platinum, instantly approved. Then I remembered someone on the forum saying that if you were approved for one card through them then you would most likely be approved for a second one, so I went ahead and applied for the quicksilver and was approved for that one as well! Both have a $300 limit which may not seem like a lot but to someone like me who is young, in college, has 3 kids, and trying to build a credit history, it is great. So I guess now I probably won't be needing that second secured card through my credit union. It's only through using this website that ive been able to gain the knowledge to begin my credit rebuilding journey, and i am truly greatful, so thank you! Edit: Do you guys think it is worth applying for an amazon store card? or am i likely to be declined? Reason I am asking is i've had my eye on an air conditioner on there and was planning on just paying cash for it when I get payed monday.

Excellent! Congrats! In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Capital One and Kohls

I have been blacklisted from Capital One they do not pull my reports and I have applied multiple time. They were included in my BK for under $300. My question is what do you think my chances for a Kohls card is? If I apply and get approved would that help me with a Capital One approval in the future? Any input would help! Thanks

At some point you will be approved by Capital One. I also included them in my Chapter 13, but I waited five years (I know, a long time) for a secured card. Now I have a Quicksilver and Venture. Were you trying to get a secured card? I don't know about Kohls. In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; PenFed Platinum Rewards Visa 10k; PenFed Promise 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BA Travel Rewards 3.5k; BA Travel Rewards 3.5k; BA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 86,200. 7/2-FICO: EQ - 788; TU - 779; EX - 690; Utilization: 10%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 6; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 7/7. Gardening until further notice.

Capital One Venture Card approval proccess

So I helped my wife apply for the Cap One Venture card with the 40k bonus offer. The screen shot stated "You are approved" you will receive your card in 7-10 days but did not give any other info such as CL etc. When I applied for that same card I was immediately notified that I was approved and my liimit was 20k. I contacted the 800 number and the recording said that the application was under review. I assume that is under review in regards to determining the initial CL and APR? Any thoughts, experiences with applying for this card.

Congrats on both approvals! In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/19-FICO: EQ - 782; TU - 769; EX - 681; GOAL: 780 across the board. Gardening until further notice.

CAPITAL ONE - Do my eyes deceive me !?!

Hey all!! So tonight, I apped for three Capital One cards for laughs ... I have a good portfolio now, but my score (EX) is still hovering at 590. I have a Credit One card @ $400 (20% UTIL), a Barclay Apple Visa for $3,000 (90% UTIL for 0% interest), a Western FCU VISA for $1000 (10% UTIL), and a CareCredit at $3,000 (45% UTIL, 0% INTEREST). I also burned Capital One in 2012, and thought for sure I'd be denied tonight. SHOCKINLGY I was approved for 2/3 cards!!! I got $500 on the Platinum and $500 on Quiksilver !!! Not huge, but I dont plan on using them except to up my overall credit limits, helping my UTIL. Does CAP ONE have a LUV BUTTON? I'd like to see those CLs go up, seeing as the rest of my profile is higher. I was stunned. Is this typicla CAP ONE behavior to forgive burned bridges? That is unpaid btw, as I am still debating the fees!! The one delcined was the VENTURE. Any and all input would be appreicated here!! I am still kind of in shock. My scores across the board are: TU 601 EX 590 EQ 554 :-) Rebuilding, on and UP!!!

Joeyzoom416 wrote:
Hey all!! So tonight, I apped for three Capital One cards for laughs ... I have a good portfolio now, but my score (EX) is still hovering at 590. I have a Credit One card @ $400 (20% UTIL), a Barclay Apple Visa for $3,000 (90% UTIL for 0% interest), a Western FCU VISA for $1000 (10% UTIL), and a CareCredit at $3,000 (45% UTIL, 0% INTEREST). I also burned Capital One in 2012, and thought for sure I'd be denied tonight. SHOCKINLGY I was approved for 2/3 cards!!! I got $500 on the Platinum and $500 on Quiksilver !!! Not huge, but I dont plan on using them except to up my overall credit limits, helping my UTIL. Does CAP ONE have a LUV BUTTON? I'd like to see those CLs go up, seeing as the rest of my profile is higher. I was stunned. Is this typicla CAP ONE behavior to forgive burned bridges? That is unpaid btw, as I am still debating the fees!! The one delcined was the VENTURE. Any and all input would be appreicated here!! I am still kind of in shock. My scores across the board are: TU 601 EX 590 EQ 554 :-) Rebuilding, on and UP!!! Congrats and all but you do realize 3 capital one apps means a total of 9 hard pulls will be taken?
Technically some people get lucky and the pulls are combined, but it's possible you could end up with all 9! I also don't get why you'd want a Platinum if you got a QS.

Rebuilding help- need tips for Capital One Accounts

Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!!

Cam0215 wrote:
Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. Once you get nine months out from the last late payment on the account (not just a reported 30, but service charge late) they will allow a CLI if your scores are high enough. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. Yeah, Cap One is pretty strict with their reporting. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? Is the OC also reporting that delinquency? If so are they showing an unpaid balance? With Cap One, they like to see heavy usage, and low reported balances. Keep requesting CLI's online until you get some joy - you just need to get far enough away from those lates. I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Keep trying every month - use the online link for it, don't call them. Don't worry about CLI denials, they won't be held against you in any way. JUst keep plugging away and check the denial reasons. I was getting the same thing all last year until Jan when I sarted getting "score reasons", then they tripled my limits in Feb. Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!! Right now you would only qualify for the "average credit" level Cap One cards, and they are an auto-deny for having two or more cap one accounts already. (its stated in the disclosures), so do not app for any more Cap One cards until scores are in the high 600's - then app for the "excellent credit" cards. Since you have a long history with the cards, you might try Barclays (I was approved for Barclays with 618 TU score), but wait until your last 30 day late is over 12 months old.You're actually doing fine, just need to move out a bit from those lates that occurred last year. You might also call and get them converted to QS/QS1 reward cards.

Capital One AutoLuv!

So, as many of you know, I was recently approved for a Venture with cap1 and got a nice SL of $10k. Well, shortly after applying, I decided to go onto my account and ask for a CLI on my existing QS Visa, and I got the 2-3 day message. Note I had recently gotten a $500 CLI via luv button maybe 2-3 weeks ago. Well today, I logged onto the wallet app to check on my account, and when I looked at the available credit, it had jumped up another $500 to $1.3k! Thanks capital one!

Congrats on your Cap One success!

Capital One VentureOne Approval and QS CLI

Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me.

alexandermodern wrote:
Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me. Congrats!

Capital One Increase, it will come

I applied for a Capital One secured card about 5 years ago and with a $300.00 deposit and over the course of the years I ended up with a credit limit of $1000.00. Upon reading several articles and several forums I took a chance and applied for the C1 QuickSilver One card and was approved for $300.00 which was low but it was my first unsecured Credit Card in a very long time. I remembered reading on the forums to immediately apply for another C1 card so i did and was approved for a Capital One Platinum card for $300.00 and was in the Step program with both cards. I use both cards all the time and paid them off but not every month. In 5 months, my QuickSilver One CLI went was a $1000.00 but my Platinum only went up to $500.00 and I wasn't happy but i was grateful and this was in January. I kept requesting an increase on the Platinum but wasn't getting a CLI. I got online today and hit the credit increase button and to my surprise, I got a $2000.00 CLI on the QuickSilver One which gave me credit limit of $3300.00 and I immediately requested a CLI on the Platinum card and I got a $1000.00 CLI to give me a credit limit of $1500.00 All i can say is be persistent and don't give up, it will soon payoff. My scores are between 620-650 so I can't wait to see how this will bump up my credit scores.

Congrats OP!
As to a low limit QS, i was approved for a Quicksilver Visa last year for $500, no af, and it was in credit steps. 100% not the one. I mean the card doesnt say "one" and the pre-approval letter I received to apply didnt either. It did say minimum $3000 cl, but whatcha know, lucky me got 500. I believe ive read elsewhere here of other QS (not ones) with small cl. Maybe they have some sort of internal low level QS or something...

Capital One Logic...

I currently have 2 Capital One accounts. One has a 2k limit and one has a 4.5K limit, both are QS1 cards. I've tried over and over to get CLI's on the cards, but was unsuccessful. I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS. I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k. While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!! Kinda pumped right now

PlasticOrPlastic wrote:
I currently have 2 Capital One accounts. One has a 2k limit and one has a 4.5K limit, both are QS1 cards. I've tried over and over to get CLI's on the cards, but was unsuccessful. I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS. I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k. While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!! Kinda pumped right now CapitalOne is a large company,that has many different divisions, the group that approves your CLI's is a different group than those that approves new credit cards. The group that gives CLI's has a goal of protecting the companies money, yet still earn money, if you are currently a customer and in good standing they have accomplished their job. The card division has a job of increasing the number of customers and cards held so they want to impress you with a high starting limit so you will happy and use the card and be a happy customer. Of course after a few months you will transfered to the CLI unfreindly group...

Capital One Venture shutting down rewards transfers - temporarily?

I just received this email from Capital One stating how rewards transfers will not be allowed after September 15. They say temporarily but I think that is unlikely. My wife and I both have cards and we consistently combine the points for bigger purchases. Transfers are the only reason we use the Venture over the Arrival+ which offers the 10% redemption bonus as otherwise they are basically identical. I guess the Arrival+ has just made it to 1st place on our everyday spending card list. "Recently, we’ve been working to provide you with even better ways to manage and redeem your rewards. As we update our program, we’ll be making changes to some redemption features you may have used in the past. As of September 15, 2015, the following redemption options and features will change:If you gave someone else permission to redeem rewards on your behalf, they will no longer be able to do so as of September 15, 2015. You’ll need to redeem your own rewards after that time.The ability to transfer rewards from one Capital One® account to another will be unavailable; however, we know this feature is important to our customers and will be working to bring it back at a later date.Remember, if you’d like to use the above features, please do so before September 15, 2015. We look forward to improving your rewards experience in the future!"

There are apparently some changes to the rewards structure of the Barclay Arrival Plus card that are not so good. They're bringing down the 10% bonus travel rebate earning to 5% starting sometime late 2015-2016 (depending on when you first applied and received the card). They're also increasing the minimum redemption amount from 2500 to 10K miles, which is a bit of a bummer. Things are definitely changing for this card - you can't even apply for one anymore (for the time being, that is).

Justice Credit Card-Capital One

I'm in the process of closing this card. Will make payment at the end of the month and have a zero balance and close it. When it switched over to Capital One last month, pushed the luv button to see if I could get a CLI. Was told to contact number listed in email sent. Called number. Spoke with CSR who stated that initiating request could possibly result in hard pull. I have a Kohl's card, which is Cap 1 too, and told the same thing, but never has resulted in HP. Well this time it did. Was given a HP on EQ and did not get the increase. Sent email to EO office about how ridiculous it is to get an HP on a store card. Spoke with someone from the office who said that could she not remove the HP, but could initiate a manual review for a CLI. Told her why would I want that when it wasn't as if I was getting a bank card. Discussed how this could discourage people from getting the card. Just letting the forum know that this change over from Comenity is not turning out to be positive.

Yes. It has the option on the website to request a CLI, so I pushed the button, and got a response that they would send a reply by email. Then I got an email saying I needed to call in and from there it went downhill. It is ridiculous because it' not like it's Nordstrom's or Neiman Marcus. It's Justice for goodness sakes. Kohl's does SP for CLI and it is Capital One, but not this card. Anyway, it will be paid off and I'll be done with it.

Capital One Suddenly Generous with CLIs

A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think.

Littlewing745 wrote:
UncleB wrote:
Littlewing745 wrote:
UncleB wrote:
A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think. I'm curious to hear what others think as well. I have a Cap One QS1, and I have been absolutely battling them for an adult level of credit for months. It started at $300 in July 2014 - I was subprime, for sure - and completed credit steps. I had used just about the full $300 and PIF every month. Got a measely $200 increase to $500 in January, but i didn't complain. Few months later, I tried an CLI, denied. Was told there had been a change in the account. Of course, they were referring to the $200 increase. So, I let it go, and apped for other cards. Well...no one gave me a limit under $1500, and that was Discover (who is conservative, anyways). My next lowest was $3500. Ringed back Capital One and, long story short, had to escalate all the way to the EO to get the card *up to* $1,000. So basically, because Cap One is being stingy, they are still viewing me - and lending credit to me - as if I'm subprime. Wee bit irritating. I had explained to them that though the QS1 gave me 1.5% cash back, the annual fee and $1000 limit hampered use for me; my NFCU cashRewards is the same reward structure, but with no annual fee, an $8,000 limit and even a lower interest rate. No dice. Heck, even my Merrick Bank still has a higher limit. Embarrassing. I'm planning to hammer my QS1 with charges for 2-3 more months - paying down a couple times a month - and see if they get the message. If I can't get a bump after that, it's definitely a candidate for closure, since it's only 1 year old.Littlewing, have you checked out the pre-qualification site yet to see what they show you good for? I was equally disgusted four months ago due to dealing with the same type stuff you describe (before these latest CLIs, my last one was for only $200). I'm with you, it seems easier to just re-app for another card, in my case it was another QuickSilver (but the Visa Sig instead) with no annual fee and a starting line more than double the credit line on the old account, which has taken me eight years to even get as high as it is now. (This much is certainly well-documented) See what they show you pre-qual'd for, and if you like what you see it might be worth your sanity to bite the bullet and take the HPs just to be done with it. For me, "protecting" my report from HPs is not worth as much as the piece of mind I have now knowing I don't have to call and "beg" each year for them to throw me a bone for the annual fee on the new account, and if I choose to do so for the old QS1 MasterCard it's not because I have to. Many folks don't mind sending email to CEOs, waiting for call-backs that may or may not come, or calling a list of backdoor numbers, but I think I've decided I've grown tired of feeling likeI am always begging them to do business with me, either by waiving an AF or giving me a (until recently) $200 increase. Ironically, going by their willingness to approve the QS Visa a few months back, it seems it's not me they have an issue with but strangely it's the account itself. It's too bad they don't realize it's the same person behind *both* accounts, but they don't... we're just numbers. If the nice CLIs on the QS1 Mastercard had come a little earlier, this could have been a very different conversation.Yeah, I'm very seriously considering that. I try to time my apps so that everything in on a June/July and December/January cycle for increases. SO...I may be getting myself a Christmas Venture One app, haha.LOL... I like that plan. Here's an idea; even if you aren't ready to actually app for a new account, the pre-qual site will at least tell you which cards you are good for and what the interest rate will be. That's actually what pushed me into 'taking the plunge'; once I saw that I wouldn't get the highest rate as I had feared would be the case (they gave me a not-great-but-not-horrible 17.9%) it made me pull the trigger. As a side-note, the interest rate offered on the pre-qual was spot-on with what I was actually given on my new account. If the rate is higher than you would like, or you don't get offered that Venture, you can always try back later. Or if you get pre-qual'd for a fantastic rate, you can still wait and know you have something to look forward to. Even more importantly, you'll know that all the calling and emailing for the account you presently have is because you want to, not because you are forced to... Whatever you decide, you have to do what's right for your situation and your personal plan.

Comenity VISA , Cabela, Barclay, Capital One

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