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Capital one

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Established Member

Capital one

is Capital one just not giving out credit lime increases anymore....this is ridicolous
Message 1 of 61
60 REPLIES 60
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Frequent Contributor
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Community Leader
Super Contributor

Re: Capital one

When did they start cause my 4 or 5 cap1 cards didn't get the memo







Message 3 of 61
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Valued Contributor

Re: Capital one

Current limit?

Spend per month?

Fico scores?

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $375k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - PenFed & Capital One






Message 4 of 61
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Frequent Contributor

Re: Capital one

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 5 of 61
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Valued Contributor

Re: Capital one


@FenderGuy wrote:

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs


Not really fair to compare low fico score cards to high fico score cards.

 

I went from a single $3,000 card to $85,000 available on 3 cards from Cap One without a single inquiry still on my credit report.

 

Yes, they bucket.  But often those bucket cards are cards that would have not even been issued by other banks.

 

Not that many cards that are better than Savor with a $30,000 limit and a $500 sub.

 

It is easy to dump on Cap One by grouping all their card offerings together for data points.

 

 

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $375k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - PenFed & Capital One






Message 6 of 61
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Community Leader
Senior Contributor

Re: Capital one

Cap is SO unpredictable with CLIs lol. Don’t give up
Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 61
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Frequent Contributor

Re: Capital one


@Shooting-For-800 wrote:

@FenderGuy wrote:

For every person that somehow gets a CLI with Cap1, there are others thats dont. Its taking for me 4 years and 2 card upgrades to get my bucketed card to $4500, while others have tripled that CL in less than time. My card has served its purpose for helping me rebuild, but I wont apply for another Cap1 card, when there are other cards out there that are much better and dont have the 3 HPs


Not really fair to compare low fico score cards to high fico score cards.

 

I went from a single $3,000 card to $85,000 available on 3 cards from Cap One without a single inquiry still on my credit report.

 

Yes, they bucket.  But often those bucket cards are cards that would have not even been issued by other banks.

 

Not that many cards that are better than Savor with a $30,000 limit and a $500 sub.

 

It is easy to dump on Cap One by grouping all their card offerings together for data points.

 

I think it is, since there are many on the boards who had low fico scores and were bucketed into cards and somehow grow those cards over time to higher CLIs in less time than others. Like I said in my post for everyone that gets a CLI, others dont. From personal experience with CAP1 thats my OP...

 

 


 

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 8 of 61
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Contributor

Re: Capital one

I've burned Cap 1 twice in the past, and they still gave me a shot at rebuilding.

I don't plan on doing that again, and firmly believe as my profile strengthens that they will reward me in the future.

I say hang in there with Cap 1.....

8/1/2018 FICO Scores:

5/20/2020 FICO Scores:
Message 9 of 61
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Contributor

Re: Capital one

Does Cap One SP off their own Creditwise Vantagescore 3.0 number? Cuz, ... that score is EVERYWHERE! Credit Sesame, Credit Karma, Nerdwallet, Lendingtree, ...
It makes me wonder if they even consider your real TU FICO 8 anymore unless it's a HP. 🤔
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of Aug. 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred/Reserved
Marriott Bonvoy or Amex Platinum
A Viaso card (for Japanese travel)
ANA or JAL FNBO, maybe Cathay Pacific


Amex BCE - $14000, Citi Rewards+ - $17500, Citi DC - $12500, Nordstrom VS - $15000, Discover IT - $15700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $6500, Wayfair - $6900, Simply Be - $1200, Lane Bryant Platinum - $2400, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $1250, Paypal MC - $2700
(About $117,800k in credit. So Far ...) Updated 12/15/2019
Message 10 of 61
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