They started me at $200 in November 1999, raised me to $400 by June 2000, and then denied me any increase for nearly a year, even though I asked. Then in May 2001, I sent them a $125 payment instead of my normal $10 or $15. Within six days, they had raised my limit by $500, to $900. This confirms what I have stated before, that Capital One is very sensitive to the size of your payments. Pay a lot, and you're more likely to get a limit increase. I had always paid on time, but never very much. One big payment plus a good record was enough to make their computer alter its infallible opinion as to my creditworthiness. The really funny thing is that I used a convenience check from another subprime card to make the $125 payment. Capital One is a totally clueless organization.