topic Re: Capital One - highest credit line? in Credit Cards

Capital One - highest credit line?

masscredit — Wed, 16 Jul 2014 01:14:34 GMT

Just wondering what others have seen for a high credit line with Captital One. I looked though my credit reports to see what my old accounts were at (they were included in my '09 BK). One had a CL of $6800. and the other was $7700. My highest card during that period during that period was $82k (Chase) so I don't think I can expect a high CL with them. Both of my accounts currently have a CL of $4500. One is up for an increase so I have a call into the EO to see if I can get an increase. Trying for $6k.

Re: Capital One - highest credit line?

BluePoodle — Wed, 16 Jul 2014 01:20:28 GMT

I have seen a couple of posters on this forum that have somewhere over $20k with Cap1

I have $5,750 so 6k is definetly achievable.

Re: Capital One - highest credit line?

Anonymous — Wed, 16 Jul 2014 01:31:38 GMT

I recently applied for a Cap1 Venture card and was approved for $30k. I was pretty floored, never thought that would happen. Was approved for a Quicksilver 3 months earlier and only received a $3k line after a 7-10 day message. Thick file with one derog back in '09. Low Util. scores between 690-720.

Re: Capital One - highest credit line?

Techno — Wed, 16 Jul 2014 02:10:57 GMT

30k is amazing for your CR and scores, what is your income i wonder or cap1 gone crazy?

Re: Capital One - highest credit line?

Anonymous — Wed, 16 Jul 2014 02:35:06 GMT

Income is low six figures. I recently started a banking relationship with them which may have played a role.

Re: Capital One - highest credit line?

masscredit — Wed, 16 Jul 2014 02:49:27 GMT

It looks like healthy credit limits are possilbe. I have two cards with them. Both went from $2500. to $4500. by using the Luv Button on their site ealier this year. Before that my increases were from calling the EO. I tried getting an increase online a few nights ago and received a message that said that I'd get an answer in a few days. The letter in my file Monday said that the increase was declined for the following reason -

CapitalOne Credit Card Letters

Based on your credit lines with Capital One, your credit score isn't high enough for an increase. See the back of this letter for more details.

The only thing noted was that my score is 699 (EQ 04). I was surprised that it was declined with that score so I called to have the account reviewed. I should hear something in a few days. Both of their cards that I have are PIF before the statement closes. I run anywhere from $800. - $3000+ though them each month.

Re: Capital One - highest credit line?

CreditDrama85 — Wed, 16 Jul 2014 03:25:53 GMT

the highest I have seen is $30K also but there may be some higher.

Re: Capital One - highest credit line?

Anonymous — Wed, 16 Jul 2014 04:09:34 GMT

Mine is a tiny bit higher, $33K

Re: Capital One - highest credit line?

masscredit — Thu, 17 Jul 2014 02:23:09 GMT

I received a call today. My $6k credit line was approved. I was thinking that I was getting close to the limit that I will have with them but it looks like I still have plenty of road ahead of me.

Re: Capital One - highest credit line?

RockinRay — Fri, 18 Jul 2014 14:39:42 GMT

I have $30k on my QuickSilver Siggy Visa.

Re: Capital One - highest credit line?

Dw4250 — Fri, 18 Jul 2014 15:08:36 GMT

Cap One is known for giving large CLs IF you start "fresh" with them meaning you already have good credit and are not starting with one of their building/rebuilding cards.

If you're trying to build up your CL off a rebuilder card, they can be pretty stingy and it may requires all sorts of jumping around to get a decent limit (hence the endless references to Cap One EO).

Re: Capital One - highest credit line?

SevenNEW — Fri, 18 Jul 2014 17:34:54 GMT

@Dw4250 wrote:
Cap One is known for giving large CLs IF you start "fresh" with them meaning you already have good credit and are not starting with one of their building/rebuilding cards.

If you're trying to build up your CL off a rebuilder card, they can be pretty stingy and it may requires all sorts of jumping around to get a decent limit (hence the endless references to Cap One EO).

Yes. I started with a rebuilder and things have been moving slowly. But they have been moving and I don't need more credit, so no complaints here.