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Wow. I can really hardly believe it. I've had my Cap 1 card for three years now. Never late. It started at 300, and after 5 months (credit steps) went to 500, and there it sat. I've been reading and reading about changes at Cap 1, so I decided to call them, not for an increase, which I was sure would never happen, but to see if I could get the annual fee removed. The CSR I spoke with was incredibly friendly and helpful. She was looking into my account and asked me if I wanted her to check for any offers at the same time. I said yes. She came back and stated that while I didn't qualify for removal of the fee, she could upgrade me to Quicksilver cash rewards. I took it. I asked her about a CLI then, and she recommended I apply on the website. She assured me there would be no inquiry. Because she was so helpful, I did. Instant result-Congratulations! Your new credit limit is 1000.00! I was literally stunned. My first 4 figure limit in years! Capital One really does seem different. If anyone is wavering, I say give it a try! Another month or two and I'll be ready to apply for a card with Navy. These boards are great. I get so much useful information. Hope this helps someone else here.
