capital one has the industry worst risk assessment team. Because of that they give very low credit limits to everyone including their high net worth customers. I too have a QS credit card, but only use it overseas because it has no foreign currency conversion fees. My QS card has a measly limit of $12.5K and it makes it of no practical use. A couple if years ago I had a six figure in my savings account with them. At that time they denied my request for a credit limit increase from $7.5k because they "did not have a mechanism for reviewing credit limit increase request initiated by customer". I promptly moved my funds to Barclays for a higher interest rate. A year later they increased my limit to $12.5k on their own. But it was too little too late. They lost a responsible customer with no mortgage nor installment loan. My other credit card limits range from $25k to $30k. $12.5K is a joke.