I started with a $1000 credit line. I used it like I would use my debit card. Except I used the credit card for all purchases and made multiple payments throughout the month. I did that for 5 months and they raised my credit line from $1000 to $5000. Helped me build my credit from the 580 to 730.
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I was approved with a $300 CL for this card in 2016 while trying to rebuild my credit. I didn’t mind the annual fee of $39 because I was actually approved with a 530 credit score. I used it like a debit card and always paid in full. my credit score started creeping up, but not very much due to the low limit of the CL. They have only raised my CL to $800 in 3 years. My score is now 759 TU and 740 EQ so I called capital one to see if they would transfer me to a different card with no annual fee and they denied me. I already have a Chase card with a $5,900 CL that I pay in full every month. I’m credit worthy, the only debt I have is a $13,000 car loan. I have 100% payment history with all of my cards and my car loan. When Capital One denied to transfer me to a different card or at least up my CL, I cancelled my account and applied with discover and was instantly approved for $10,500. Capital One is stingy!!!! Don’t waste your time, there are plenty of other credit card companies that will be happy to reward your good credit score and excellent payment history!!!!
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