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Capital One Tier Levels

Established Contributor

Capital One Tier Levels

I have seen a few posts about Cap1 cards with different tier levels which determine if or how much of a CLI you can have, can someone give a little more insight?? I have 2 cards, one platinum visa at $500 since 2004 (my first credit card) and another that was opened last September that was in credit steps so it went from $500->$750. I know they likely won't grow to thousands of dollars but I wonder will they ever grow past this point?

 

How did you find out (i.e. how should I word the question when I call in to ask-everytime I call and ask something the rep is reading from a script and misses the point of my question) and who do I call (back door number or the regular number on the back of my card)?

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
10 REPLIES
Contributor

Re: Capital One Tier Levels


chan85 wrote:

I have seen a few posts about Cap1 cards with different tier levels which determine if or how much of a CLI you can have, can someone give a little more insight?? I have 2 cards, one platinum visa at $500 since 2004 (my first credit card) and another that was opened last September that was in credit steps so it went from $500->$750. I know they likely won't grow to thousands of dollars but I wonder will they ever grow past this point?

 

How did you find out (i.e. how should I word the question when I call in to ask-everytime I call and ask something the rep is reading from a script and misses the point of my question) and who do I call (back door number or the regular number on the back of my card)?



Yeah I would like to know too because I have a card like this. havent messed with it cu i dont want any more INQs atm.

Established Member

Re: Capital One Tier Levels

I'm not sure if this is the thread you're speaking of.  When I came across it awhile back, I thought it was useful info and figured I should make a note of it.  I completely forgot about it until I saw your post and had to dig around for it!  Smiley Happy 

 

I'm not sure if there's a more recent post with updated information.  Maybe someone else will be able to direct you to it if there is. 

 

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Credit-Limits-by-Card/m-p/208506/highlight/...

 

 

Established Contributor

Re: Capital One Tier Levels

onestep thank you!!! that gives me hope lol
WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Frequent Contributor

Re: Capital One Tier Levels

I had to call CAP 1 last the other night because I hadn't received my card yet.  I figured I'd ask about CLIs (in the event they might offer me one) and specifically about max CLs.  The rep insured me there was no max on my card.  It knew it sounded too good to be true.



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Valued Member

Re: Capital One Tier Levels

I have a Cap One card since 2007 , limit was $500. Past 4 years I asked for increase and they didn’t. Last week I logged in to cap one and I see my limit was increased to $2000. Only think I did in past one month is I paid down my Credit Utilization from 90%  to 3%.

Established Contributor

Re: Capital One Tier Levels

Did you use your cap1 alot??
WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Established Member

Re: Capital One Tier Levels

@Bop - Did your CLI fall in line with the tiers levels that was posted in that other thread? Just wondering if they have changed the cap amounts since 2008 when that other thread was written.

 

@Chan85 - You're welcome, glad I could help!

 

 (edited to address my question to Bop)

Valued Member

Re: Capital One Tier Levels


chan85 wrote:
Did you use your cap1 alot??

Yes , i usally use Cap1 all month and then pay off and re-use them.

Valued Member

Re: Capital One Tier Levels

 

 

 

 

i don't know .. i haven't seen any activity in FICO score


OneStepFurther wrote:

@Bop - Did your CLI fall in line with the tiers levels that was posted in that other thread? Just wondering if they have changed the cap amounts since 2008 when that other thread was written.

 

@Chan85 - You're welcome, glad I could help!

 

 (edited to address my question to Bop)