Cap One

Davie2909

Hi guys I have had a capital one progress card for over a year I was initially given a £500 credit limit but this has not been increased at all!
I also have a classic visa with cap one this was increased from initial £200 limit to £600 and has stated at that limit since!

What I'm asking is recommendations on how to get the initial limit increased?

chanz4

With cap1 their is no pattern, infact very random how they do it

Leebertine

I'd recommend against having them increased, just from personal experience - I had a very bad time with credit cards and capital one (they are both the devil, so to speak! :rotfl: ).

Moneysaverchris

Davie2909 wrote: »

Hi guys I have had a capital one progress card for over a year I was initially given a £500 credit limit but this has not been increased at all!
I also have a classic visa with cap one this was increased from initial £200 limit to £600 and has stated at that limit since!

What I'm asking is recommendations on how to get the initial limit increased?

I Left mine Maxed out for 6 months (always making payments) and still got 2 increases in a year :rotfl: £600 a time increase

_Andy_

Davie2909 wrote: »

Hi guys I have had a capital one progress card for over a year I was initially given a £500 credit limit but this has not been increased at all!
I also have a classic visa with cap one this was increased from initial £200 limit to £600 and has stated at that limit since!

What I'm asking is recommendations on how to get the initial limit increased?

Ring them and ask.

Davie2909

_Andy_ wrote: »

Ring them and ask.

Called them and said i was not happy as £500 was a pretty poor limit and the account has been run very well a few weeks later they doubled my limit.

I have paid off and closed my old Classic Visa with them and replaced it with a barclaycard

212

Got my card 4 years ago. They started me at £250. I moaned about 2 years ago and they said no and that's final. Appealed to the 'manual review team' and they raised it to a massive £350. Last month, out of the blue, they decided to raise it to £850!

I've never paid them a penny in interest etc.... don't even use the card a lot. Kept it open for the free equifax reports/id alerts etc. The cynical side of me thinks they've whacked it up because I'm in debt elsewhere and may consider using them and messing up/being charged fees/interest.... hmmmm!

They know I won't just default on £850 as it would wreck my perfect history - and I've got over 10k elsewhere with no problems, plus they know I work in banking - so I can only think it's giving more money to someone they think is struggling or would struggle with it...