When I didn't hear from Cap One I assumed there would be no credit limit increase. Today I called and got a $300 increase from 3,000 to 3,300. not much but better than nothing!! The whole Cap One experience has been positive since I got the classic card in Nov '98 while filing for BK. I like Cap One myself. I won't bore you with all the details because I have made a record of my Cap One history last week. For the record, I have a $3,300, no annual fee, 13.9% apr., with auto rental type perks, card / Just 26 months after discharging $100,000 in credit card debt via Chap 7. Thanks again to Marci for the Planet Feedback info.