Inferior Card=Higher Limit? (Capital One)

[Anonymous]

If you get approved for a higher tier Capital One Card like Quicksilver, Venture, or Savor, you would have been approved and received a higher starting limit for the card directly below (Quicksilver One, Savor One, Venture One) because the qualifications are lower. Is this correct?

Thanks for your input.

[Brian_Earl_Spilner]

Yes

[Anonymous]

While UW is tighter for their higher "credit level" cards, I don't see any reason to believe the SL is determined differently.

[FireMedic1]

My 2 starters Plat/QS and QS1 were both SL's of $2000. After a year. Venture, then QS, and lastly Savor  14 month period they were all approved for 10g's each. There was no 6 month app limit then. But things have changed since 2015-16. Minimun on QS SL was 5g's and Venture/Savor was 10g's average back then. Now QS apps get approved for lower SL's. For the sake of argument. As we say. YMMV.

[JR_TX]

Yes for your question regarding being approved for the lower tier card but NOT necessarily having a higher SL. Cap1 as most banks do have algorithms that will evaluate your credit profile and income. Those 2 (credit profile + income) will help determine your SL.

[Anonymous]

It depends on the card.

Platinum and QS1 are very unlikely to be issued in the $10K+ range as these are explicitly meant for less than perfect credit profiles.

The regular QS, SavorOne, and VentureOne are all pretty similar in credit requirements since they all have a $1K minimum SL so would likely each get approved for the same limit. Venture and Savor are top tier cards with the Venture having a $5K minimum SL and the Savor a $2K minimum and thus have higher standards.

[AverageJoesCredit]

Sorry but imo, each card has its own underwriting so basing ones starting limit and approval based off a different card from ssme lender cant be determined 100% nor can we say because i got x on the higher tier card i would have gotten higher on y the lower tier. Every card snd and as pprovsl are ymmv. Kinda like saying i got approved for Walmart i should get approved for Sams. Plenty of people get rejected for a card they thought they were a shoe in becsuse they have or had a higher tier card. Happens with Amex all the time. My thoughts on it

[nykos5000]

From personal experience, the top tier cards are offered higher limits. Seems like the product really determines limits. When I PC'ed to the Venture and even the Venture One from the QS1 was when I really started to see decent increases from Cap1. I think a lot of people who complain about Cap1 never increasing their limit stick to entry level prodcuts such as their Plat MC when they probably need to do a PC to a higher tier card first....of course YMMV....I was just approved for a Savor One with the bare min of $1k while my other two QS1's started out at $3500 and are now a Venture WMC and a QS WMC with $12k and $6.5k limits.