topic Re: Capital One Savor CLI to $50K in Credit Card Approvals

Capital One Savor CLI to $50K

Aim_High — Wed, 21 Jan 2026 20:53:34 GMT

Similar to my recent post about my CITI Costco CLI , these are increases on my Capital One Savor card I received while taking a hiatus from the forums so I'm just getting around to posting data points. I received two credit limit increases on my Savor card from $40K to $44K (06/28/25) and $44K to $50K (10/09/2025), a total of $10K increases in less than four months!

Capital One continues to be an enigma to me and I'm sure many on My FICO. I know we have a lot of members who have bucketed cards which won't grow and they think of Capital One as only a subprime lender. However, they are not just a subprime lender. As a matter of fact, in >This Thread<, I even posted about their history and how they were actually a prime lender before subprime. Link provided in that thread to source.

"Capital One was a pioneer in using data analytics in the early 1990's to specifically target PRIME customers, but eventually used that same system to expand into Subprime consumers."

The growth pattern on my card has also been strange. It started out as a $1K Platinum card. Yeppers, you read that right. Over the life of the card, I've received a 50x CLI! I applied for that Platinum card purely for a BT offer in 2009 when I was rolling around some large balances. The low limit was essentially useless to me, not to mention insultingly low compared to my $5K to $15K limits on other cards. I sock drawered it but they didn't close it. A few years later, when 1.5% cash back was a great deal and Quicksilver was introduced, I product-changed the card to QS and it got regular usage. However, it grew very slowly (increases were only $1K, $1.5K, then $3K each) and only after pretty heavy usage. I eventually grew it to $25K and was amazed. That was my goal and I was done. I've participated in multiple threads collecting data points about the usage patterns to get CLIs on Quicksilver and it seemed to require between about 25% to 45% spending of current limit to get any increase.

Oddly enough, I put in for more increases without the heavy usage and the card began to grow again very slowly! This was also after I opened and funded a HYSA with them, which I've wondered if it might have been related. After I product-changed it to the Savor card, it has grown even more quickly, even without heavy usage. (My spend has been only in the hundreds of dollars per statement period.) I've had increases of $1K to $3K on the card as a Quicksilver and $4K to $6K CLIs as a Savor.

*See links below for history if you're interested in more data points:

$25K - $26K - $27K - $28K - $30K - $33K - $34K - Conversion to Savor - $40K

Re: Capital One Savor CLI to $50K

Janneman — Tue, 20 Jan 2026 21:36:34 GMT

@Aim_High

Congratulations.....Its nice to see how amazingly these cards grew up. I am very happy for you. I have two cards, Quicksilver and Savor, and I never got not eve one CLI on both cards since they are opened. I have these cards for many years....I used to use them for 3-4 years but then I put them in the drawer after getting frustrated for not getting any CLI no matter how much I spent. So, I don't use them anymore.

Re: Capital One Savor CLI to $50K

NoMoreE46 — Tue, 20 Jan 2026 23:29:51 GMT

Nice. Guessing that $50k is one of highest CL on myFICO.

Re: Capital One Savor CLI to $50K

SeanA — Wed, 21 Jan 2026 00:21:38 GMT

Wow!! Next dinner is definitely on you

Re: Capital One Savor CLI to $50K

Copenix — Wed, 21 Jan 2026 08:36:03 GMT

Very nice. Congrats on your CLIs.

Re: Capital One Savor CLI to $50K

Aim_High — Wed, 21 Jan 2026 21:26:26 GMT

Interesting addendum to this CLI approval posting. I was trying the "Confirm Purchasing Power" button and Capital One allowed me to preapprove additional spending above the credit limit, up to at least $100K!! I made a separate thread >here< for data points regarding that option.

Re: Capital One Savor CLI to $50K

salt_water_swimming — Wed, 21 Jan 2026 22:47:16 GMT

so when's the Fico Forums get together? your treat!

Re: Capital One Savor CLI to $50K

cashorcharge — Thu, 22 Jan 2026 00:26:04 GMT

Congratulations on your Approval!!👏🏼🍾🥂

Re: Capital One Savor CLI to $50K

PayAndProsper — Thu, 22 Jan 2026 07:30:41 GMT

Congrats! Thats quite the trajectory. Consistency and patience paid off, in the end.

Re: Capital One Savor CLI to $50K

PullingMeSoftly — Thu, 22 Jan 2026 21:13:23 GMT

Very nicely done @Aim_High, congrats to the jedi master on another 50K card, cheers!

Re: Capital One Savor CLI to $50K

Aim_High — Thu, 22 Jan 2026 21:32:14 GMT

@Janneman wrote:
@Aim_High

Congratulations.....Its nice to see how amazingly these cards grew up. I am very happy for you. I have two cards, Quicksilver and Savor, and I never got not eve one CLI on both cards since they are opened. I have these cards for many years....I used to use them for 3-4 years but then I put them in the drawer after getting frustrated for not getting any CLI no matter how much I spent. So, I don't use them anymore.
= = = = = = = = = = = = = = =
@NoMoreE46 wrote:
Nice. Guessing that $50k is one of highest CL on myFICO.
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@Copenix wrote:
Very nice. Congrats on your CLIs.

Thanks very much @Janneman, @NoMoreE46, and @Copenix!

Yes, @Janneman, Capital One can be picky about spending patterns to grant CLI's. What I usually did was spend heavily for a few months prior to the request and targeting 40%+ spending of the credit limit overall since the last request. It can take some work and focus, so you have to decide if it's worth it. Some say not.

I agree @NoMoreE46, that a $50K limit on most any Capital One card is unusual these days. I heard that many years ago, they were giving out higher credit lines easier and also allowing consolidation, so some members reached $50K and even $100K+ very easily. I have seen some of our members get to $50K+ but usually just on their higher-end cards like Venture X, Venture, and Savor.

Re: Capital One Savor CLI to $50K

Aim_High — Thu, 22 Jan 2026 21:35:44 GMT

@SeanA wrote:
Wow!! Next dinner is definitely on you
= = = = = = = = = = = = = = =
@salt_water_swimming wrote:
so when's the Fico Forums get together? your treat!

Party at Aim_High's house, @SeanA and @salt_water_swimming!

That should buy enough tacos and kool-aid for the crew.

Probably couldn't afford the champagne and caviar! Lol

Re: Capital One Savor CLI to $50K

Aim_High — Thu, 22 Jan 2026 21:40:06 GMT

@Copenix wrote:
Very nice. Congrats on your CLIs.
= = = = = = = = = = = = = = =
@cashorcharge wrote:
Congratulations on your Approval!!👏🏼🍾🥂
= = = = = = = = = = = = = = =
@PayAndProsper wrote:
Congrats! Thats quite the trajectory. Consistency and patience paid off, in the end.

Thanks so much @Copenix, @cashorcharge, and @PayAndProsper!

Yes, consistency and patience are good lessons, @PayAndProsper.

I've posted this meme before for our newer members.

Re: Capital One Savor CLI to $50K

Aim_High — Thu, 22 Jan 2026 21:53:08 GMT

@PullingMeSoftly wrote:
Very nicely done @Aim_High, congrats to the jedi master on another 50K card, cheers!

Thanks very much, @PullingMeSoftly. Glad to be back on the forums at the same time as you. I was away for many months in 2025 and haven't seen you around much lately either. Always love the Jedi-Master analogy.

Yes, I'm still chipping away at those higher limits, slowly and surely. Hard to believe, but when I came to My FICO in 2019, I had (NO) $50K plus cards! Now, I've got NINE that are $49K to $100K! It has taken some strategy, planning, and work but I've enjoyed it. It would have all been impossible without the help and support of the community. I broke $50K shortly after coming to My FICO in 2019 on my >Discover< and >Bank of America< cards, both of which were two of my oldest cards.