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

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Anonymous
Not applicable

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?

Message 1 of 15
14 REPLIES 14
Jannelo
Frequent 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 (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 2 of 15
Anonymous
Not applicable

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.

Message 3 of 15
M_Smart007
Legendary 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
kilroy8
Community Leader
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
CreditInspired
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. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 6 of 15
Anonymous
Not applicable

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!

Message 7 of 15
Jannelo
Frequent Contributor

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


@Anonymous 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 (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 8 of 15
Jannelo
Frequent Contributor

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


@Anonymous 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 (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 9 of 15
Anonymous
Not applicable

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...

Message 10 of 15
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