topic Capital One — bucket escape may be possible? in Credit Cards

Capital One — bucket escape may be possible?

1LostArk — Sat, 06 Sep 2025 00:56:01 GMT

After more than 10 years I finally got an upgrade offer to card without an AF, hoping for a CLI soon too!

Re: Capital One — bucket escape may be possible?

Ushio — Sat, 06 Sep 2025 01:16:32 GMT

I really don't think anything Capital One offers would be worth putting up with a bucketed annual fee card for 10 years. But cool nonetheless. Grats.

Re: Capital One — bucket escape may be possible?

SpaceCityCCuser — Sat, 06 Sep 2025 04:01:38 GMT

So awesome!

Re: Capital One — bucket escape may be possible?

zerofire — Sun, 07 Sep 2025 09:09:30 GMT

Escaping the bucket was always possible with Capital One. The main issue is if you interest Capital One enough to move you around or tolerate adjustment of their security packaging. The main thing is are you going to fight for your original account or get a new account with a new rating. Getting new product is the fastest way around the bucket because you get rebucketed when you qualify for a new account.

Re: Capital One — bucket escape may be possible?

ElvisCaprice — Sun, 07 Sep 2025 09:42:29 GMT

@Ushio wrote:
I really don't think anything Capital One offers would be worth putting up with a bucketed annual fee card for 10 years. But cool nonetheless. Grats.

Just wow, ditto!! Like a reverse SUB/AF for a Silver? What good is a Silver? I suppose if you need the age of accounts? But it looks like you already have plenty of CC's, shouldn't have been an issue to just close it. Just goes to show their is a lady for every guy and a guy for every lady.

Re: Capital One — bucket escape may be possible?

1LostArk — Sun, 07 Sep 2025 19:22:20 GMT

@ElvisCaprice wrote:
@Ushio wrote:
I really don't think anything Capital One offers would be worth putting up with a bucketed annual fee card for 10 years. But cool nonetheless. Grats.
Just wow, ditto!! Like a reverse SUB/AF for a Silver? What good is a Silver? I suppose if you need the age of accounts? But it looks like you already have plenty of CC's, shouldn't have been an issue to just close it. Just goes to show their is a lady for every guy and a guy for every lady.

I know the mantra is to close it, but it's my first account and it's all part of the fun for me to try and keep it alive and see where it ends up. It started out as a $300 secured platinum!

Re: Capital One — bucket escape may be possible?

UncleB — Sun, 07 Sep 2025 22:59:10 GMT

@1LostArk wrote:
@ElvisCaprice wrote:
@Ushio wrote:
I really don't think anything Capital One offers would be worth putting up with a bucketed annual fee card for 10 years. But cool nonetheless. Grats.
Just wow, ditto!! Like a reverse SUB/AF for a Silver? What good is a Silver? I suppose if you need the age of accounts? But it looks like you already have plenty of CC's, shouldn't have been an issue to just close it. Just goes to show their is a lady for every guy and a guy for every lady.
I know the mantra is to close it, but it's my first account and it's all part of the fun for me to try and keep it alive and see where it ends up. It started out as a $300 secured platinum!

You're not alone... I held on to an old HSBC/Orchard Bank card for way too long after it became a QuicksilverOne with a $79 (!!!) annual fee. I always called to see about getting a PC, and was told 'no offer available' several years in a row with mixed luck on getting a partial credit for the fee.

Then one day it finally happened.

Today that card is an 18-year-old grandfathered/no AF Savor card. It's still in the bucket - no CLIs are ever available, and the CLI screens are even different from my non-bucketed card - but I've reallocated credit from a non-bucketed card to make the credit limit $6500 (more than enough) and while not really important the variable APR is a decent 19.15% as of today.

While I could have saved a little $$$ in annual fees by canceling early-on I'm quite happy with where it's ended up.

Re: Capital One — bucket escape may be possible?

SpaceCityCCuser — Mon, 08 Sep 2025 21:45:26 GMT

@1LostArk wrote:
After more than 10 years I finally got an upgrade offer to card without an AF, hoping for a CLI soon too!

Sir you are not alone. My VX was once a bucketed Visa Platinum! I was finally able to PC it to a Venture X.

https://ficoforums.myfico.com/t5/Credit-Cards/PCd-My-Quicksilver-visa-from-2002-to-Venture-X/td-p/6812727

Re: Capital One — bucket escape may be possible?

SpaceCityCCuser — Mon, 08 Sep 2025 21:57:30 GMT

Denver Cap1 Lounge

I travel quite a bit so I will get my money back in a year, maybe less.

Re: Capital One — bucket escape may be possible?

SpaceCityCCuser — Mon, 08 Sep 2025 21:59:48 GMT

Dulles (IAD) Cap1 Lounge

Re: Capital One — bucket escape may be possible?

SpaceCityCCuser — Tue, 09 Sep 2025 15:07:53 GMT

Las Vegas Cap1. And I get some grab and go for the plane as well. I would say I am getting at least $40ish in value per visit. At this point I've visited DFW Cap1 1x, DEN Cap1 2x, IAD Cap1 1x, LAS Cap1 1x, and DCA Cap1 Landing 1x.... So $40 x 6. I need about 16 more visits LOL. I did use the Global Entry so $120. I paid the annual fee for 21 years...sheesh...$39 ~ $819...

$819 - $120 - $240 = $459. I need about 12 more visits. Ohhh I took a guest (or 2) with me 3 of those visits (one of those being 2 guests). So $459 -$160 more takes me down to $300 left to reclaim from Cap1. That would be 8 more lounge visits (less if bringing a guest). I will get my money back!!

Ohhh....I have an October trip going to Houston. It has a layover in DFW on the way there and a layover in DEN on the way back!! 2 more visits will be knocked out.

Re: Capital One — bucket escape may be possible?

1LostArk — Sun, 05 Oct 2025 02:45:34 GMT

Just got a CLI on this card from $950 -> $3,000.

Am I wrong in thinking that this card is definited out of the bucket?