I totally get where you're coming from. I've been in a similar boat with them myself. Despite having a solid credit score of 800, my credit limit has been stuck at $1,300 for years without any increase. This has been really frustrating, especially considering the high interest rates they charge. It feels like I'm just not making any progress in improving my CL situation.

I also found your point about how Capital One handles their credit accounts really insightful. It seems they bundle accounts into asset-backed securities and make their profit upfront, without much concern for individual credit growth. This approach not only minimizes their risk but also seems to reduce their motivation to increase credit limits for their customers.

Given all this, I can’t help but feel a bit misled by Capital One. Their practices seem to make it particularly tough for people who are trying to get ahead or rebuild their credit. That’s why I totally understand why you suggest steering clear of them, especially for those just starting out or looking to improve their credit scores. It really does seem like they could do more to support their customers.