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??? for those who got a 2nd Cap One account

Frequent Contributor

??? for those who got a 2nd Cap One account

Was the CL on the 2nd card higher than the 1st?

 

Trying to gather information before I spend 3 hps.


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 1 of 11
10 REPLIES
Senior Contributor

Re: ??? for those who got a 2nd Cap One account

In my case it wasn't higher for the 2nd but it was for the 3rd

I have 2 Platniums and a Sony Rewards

Good luck

Message 2 of 11
Established Contributor

Re: ??? for those who got a 2nd Cap One account

nope, $1250 on the first, $500 on the second Smiley Sad

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 3 of 11
Valued Contributor

Re: ??? for those who got a 2nd Cap One account

I got my first account in 12/2008 and after credit steps it's now at $4000.  No rewards, perks or annual fee.

 

I applied and received another in 7/2009 and after credit steps was $1500 until yesterday, now $2500.  Yes, rewards but annual fee (which has paid for itself with all the gift cards I ordered).

 

I did have a Cap One history before these 2 cards where I either closed them or they fell off my reports.  But to answer your question, no, the second one was definitely lower than the first...by a lot in my opinion.

 

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 4 of 11
Established Contributor

Re: ??? for those who got a 2nd Cap One account

They matched the limit on my second and went higher on my sony card.

Message 5 of 11
Member

Re: ??? for those who got a 2nd Cap One account

They matched my highest limit card with them on my third card. Currently have a 1%/2% rewards card with them, a secured card, and a Sony Visa.

Message 6 of 11
Valued Contributor

Re: ??? for those who got a 2nd Cap One account

First limit was $1500, second one was $750.  Second one got an auto CLI to $3000 after 4 months, first one is stuck at $1500. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 7 of 11
Frequent Contributor

Re: ??? for those who got a 2nd Cap One account

Hmmm, don't want to spend  3 hps and get dinged for a new account for a lower starting CL.


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 8 of 11
Highlighted
New Contributor

Re: ??? for those who got a 2nd Cap One account

first cap on 11200.00 cl second is 500.00 never increased in two years , not worth the inq.

Message 9 of 11
Established Member

Re: ??? for those who got a 2nd Cap One account

1st cap one was $300/now $500 since 1/2008....second in 4/2008 was $500 went to $750 and last year got an increase to $3250.00. I think its probably time to close out the $500 one...but it's my oldest cc account.

Message 10 of 11