Capital one “buckets/classes”

[SRT4kid93]

Makes sense, how could anyone possibly put any sort of significant spending on 19 different cards. Even if you split your mortgage and all your bills evenly between all 19 I'm not sure that would equate to any sort of significant amount per card. For me, my housing payment is 1400, so I would be looking at $73 per card if I split it evenly. 

[PaultheSheik]

I strongly suspect so. I am 845+ on all the credit scoring models but never pre approved for any of the capitalone cards with high sign up bonuses.

i do have about 48 credit cards split 33/15 between personal and business and a credit line about $800k. I am currently 5/24 and am a heavy churner who has slowed down the pace in the last year hence 5/24. 

I only have one Capital One card and it's a business card.

[MrsCHX]

My CO experience.

Feb 2019: CH7 discharged (CO burned for two cards)

Nov 2020: New Platinum card w/$500 limit

May 2021: CLI to $800

Oct 2021: CLI to $1,800 and PC'd (by CO) to Quicksilver

Aug 2022: CLI to $2,300

Mar 2023: CLI to $2,550

Denied for CLI's 6 times since April 2024

January 2025: Approved for Savor w/9 month 0% promo and $6,000 limit

I've read about their buckets and considering I get weird and seemingly irrelevant denials each time for CLIs...I'm not in a good bucket (haha!), but IDK if there are sharp lines. It's probably a bit more complex in the way that FICO is complex. There aren't straight lines of what makes a score.

[masscredit]

So for me, my Ch7 BK was DCed in June of '22.  A few of their cards got burned in that. I was approved for one of their cards about 6 months after that. Then received another. Scores were in the 650-680 range. Earlier this year I was approved for a Venture card with a $10K SL. I requested an increase when the card arrived. It went to $13K.  I was very surprised!  Scores then were in the 660-690 range. Don't know where I fall with their buckets/classes.

[SRT4kid93]

When I got my savor I believe I was put in the 3rd bucket/tranch. So 2nd from the worst. And it appears I'm maxed out around 5,000, when I applied my profile was extremely young and unproven, so it seems 5 grand was the most they were willing to gamble on me. 

so you are probably in the 2nd from the highest or maybe even the highest. I think I now fall in the same bucket as you since I'm pre approved for the venture x with a minimum of 10 grand. So my profile looks far more appealing that it once did. 

It's not just score that they look at

# if cards. How valuable they feel the customer will be, etc. are all taken into account.

It seems you fall in their perfect customer. Your profile and history  is just bad enough that they feel you will fall behind on your bills and pay interest. But you already filed and you cannot do it again, so even if you fall way behind, they can sue you to get their money. so your profile is in that sweet spot where you can't file to get out of debt. Best case you fall behind and pay a bunch of interest, worst case you fall way behind, they get to tack on a ton of fees and interest and sue you. 

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