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CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

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CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

So I woke up this morning to an unexpected surprise regarding my Cap One QS1 account-

 

"Your credit line has increased from $500 to $2,000.
Thanks for doing a great job managing your account. Whether your spending needs increase, decrease or stay the same, we’re here when you need us."

 

Now, don't get me wrong, I'm not complaining, but I was under the impression that if you started in the lowest bucket ($300) like I did, that you were condemned to never getting out of it... never rising above $1K if you were lucky. This CLI of $1500 makes me wonder if my bucket was dumped into the next level bucket, maybe? Has anyone else had this type of increase from a starter bucket?



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 1 of 15
14 REPLIES 14
Regular Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

Wow!  That's fantastic.  How old is your card?   Did you just hit the year mark or is it older than that?

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $600 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $1400 CL 1/8/2020)
Discover it Cash Back (9/19) - $1000 CL

Experian FICO Score - 8/2018: 528
Experian FICO Score - 11/2019: 653
Message 2 of 15
Established Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?


@Jannelo wrote:

Wow!  That's fantastic.  How old is your card?   Did you just hit the year mark or is it older than that?


I got the card Oct 17, 2018, when I was just starting my rebuild & before I found this board.



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 3 of 15
Super Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

 

"Has anyone else had this type of increase from a starter bucket?"

  I have read just a couple success stories, mostly they put a TON of HeavyLifter spend    ..to get.Smiley Wink

 

Congrats to ya, Mr.ScooterSmiley Happy

Happy Labor to get a CLI day!

 

 

Message 4 of 15
Super Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

Looks like you got a great credit steps increase. That card is still bucketed and likely won't grow much more.

Message 5 of 15
Community Leader
Super Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

Congratulations OP. Now that’s a nice wakeup call. 

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 15
Established Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?


@M_Smart007 wrote:

 

"Has anyone else had this type of increase from a starter bucket?"

  I have read just a couple success stories, mostly they put a TON of HeavyLifter spend    ..to get.Smiley Wink

 

Congrats to ya, Mr.ScooterSmiley Happy

Happy Labor to get a CLI day!

 

 


Thanx! All I put on it is $6.06/mo for my SiriusXM subscription!



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 7 of 15
Regular Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?


@ScooterMcDoodlebutt wrote:

@Jannelo wrote:

Wow!  That's fantastic.  How old is your card?   Did you just hit the year mark or is it older than that?


I got the card Oct 17, 2018, when I was just starting my rebuild & before I found this board.


I got the Cap 1 QS1 five months ago.  It had a SL of $1,000.  I used it a lot  (paying in full) hoping for more than the $500 credit steps CLI, but they notified me a week ago that I was getting the increase to now a $1500 CL.  I'm not complaining.  I was just hoping for more.  It's my highest limit credit card in my rebuild, so I am thankful for the card.  You post gives me hope that maybe I will get a decent CLI in six months.  I certainly didn't with the Platinum at the year mark, but I didn't use it enough, I guess, in Cap 1's eyes.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $600 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $1400 CL 1/8/2020)
Discover it Cash Back (9/19) - $1000 CL

Experian FICO Score - 8/2018: 528
Experian FICO Score - 11/2019: 653
Message 8 of 15
Regular Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?


@ScooterMcDoodlebutt wrote:

@M_Smart007 wrote:

 

"Has anyone else had this type of increase from a starter bucket?"

  I have read just a couple success stories, mostly they put a TON of HeavyLifter spend    ..to get.Smiley Wink

 

Congrats to ya, Mr.ScooterSmiley Happy

Happy Labor to get a CLI day!

 

 


Thanx! All I put on it is $6.06/mo for my SeriusXM subscription!


LOL  And I put a lot on my Cap 1 QS1 (even $1900 the last month),  paying several times a month, and, still, all I received was the credit steps CLI to $1500.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $600 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $1400 CL 1/8/2020)
Discover it Cash Back (9/19) - $1000 CL

Experian FICO Score - 8/2018: 528
Experian FICO Score - 11/2019: 653
Message 9 of 15
Established Contributor

Re: CAP 1 QS1 NON-SOLICITED CLI - DID MY BUCKET GET DUMPED INTO A BIGGER BUCKET?

When I first got the QS1, I was putting heavy use on it, but basically sock-drawered it after I got my Disco card in January. It was my lowest limit card- now my NFCU Platinum is my lowest at SL $1K. I’m hoping to ask for a CLI with them in Feb...



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 10 of 15
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