Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Why was my Credit Limit Increase Denied?
The bottom line is that you are kind of a terrible customer for them.   Granted you are far better than one that does not pay his bills, but you are (probably) in the tier right above that. Rewards cards are used to lure the unorganized into out of control interest rates and late payments.  These people are Capital One's, and others, best customers.  They have traded hundreds of dollars in interest payments for a couple of dollars in rewards.  The CC company says:  "YUMMY"! You, on the other hand, cut into their "meager" profits from fees collected from your transactions.  Why should they help you make more money?  Why should they further cut into your profits? Response to comment: Given your comment I think the bottom line is a matter of perspective.  You seem like a logical, altruistic type person who probably seeks a win-win situation in business dealings.  This differs from CC companies they operate to seek one thing:  enslavement. BTW the "terrible customer" remark should be taken as a compliment.   After you get past the marketing lies you begin to see what reward programs and zero percent financing is all about.  How do most people end up with 21%+ interest rates?  They started with a zero percent balance loan, and was late for a payment. Reward cards work a bit differently.  Studies show that people tend to spend about 17% more when they use a reward card.  I've caught myself ordering an extra appetizer or beer and have subsequently stopped using a reward card for things I can make a decision at the time of purchase.  For people with tight budgets this leads to debt. My "meager" profits paragraph makes sense when you understand the onerous nature of CC companies.  They are not interested in earning 2% on purchases (charge 3% and give back 1%) for basically free money.  You rightly see this as what should be a win-win for all parties involved.  Thus the meager in quotation marks.  CC companies are willing to give back 1% and charge 3% if you then pay 15% or more on your balance. Some may disagree with me on the extracting nature of CC companies, but they are wrong.  I like him as an actor, but I don't believe Samuel Jackson's lines.