Got my choice of a $700 CL increase or 2.5% APR drop today. I have been calling twice a month since my one year anniversary looking for a better deal. They asked if I had a better APR and I told them actual rates I had on my other cards. They offered 12.5%, which was a start. I asked about CL increase and they said I could get it, but not on the same call. IOW, I could only pick one. Asked if she knew the amount, was told $700 and I said I'll take what's behind the curtain. No hard inquiry, just based on account activity. So, my Cap1 story to date has been good. Frustratingly slow on the upgrades, but good. Took an offer from them one year post BK, got $500 unsecured. Used it just enough to get the CL showing on CR. Dropped a PFB and got an increase to $1200 and got my fee waived. When I asked about CL increases, one "account specialist" (the CSR transfers you to them) told me I should use the card more. So I put some activity on the card, deliberately putting $600 or less (keeping at less than 50% utilization) for two months. Also deliberately left $100 or $200 on the balance to tease them. Now I've got the increase, will call again about the APR lowered and as long as I can get their absurd $59 fee waived, I'm a happy camper.
