Capital One QuickSilver One 4k Limit Question

texasman07 · ‎02-04-2022

Hi Everyone–

I had a couple of CapOne cards (Venture, Ventrue One, Savor etc) and closed them all a few years back. I recently tried to get back with them in 2020 and was a no go for a while. I finally got pre-approved for a secured card (01-Nov-21) and went for it just to get my foot back in with CapOne. Yesterday, I tried the pre-approval link again and was finally given the option for a QuickSilver One. I took the bait and got a link to upload my Passport and SS Card. This morning I got an email for a 4k approval. I went back to their website and saw that the QS One is for people with fair credit. I have an 800 Fico Score across all boards and 1% Utilization. My main reasons for denail are too many accounts, too many inq. My question is, "I have a card for FAIR credit but was given a 4k limit?" is that right? Is this card eligible for CLI's down the road?

Thanks!

SUPERSQUID · ‎02-04-2022

Cap 1 is a strange bird when it comes to approvals and score related issues.

last year i got approved for a savor one 3k sl with a bk7 less than 2 years old.

It clearly states on their site that to get a savor one for good credit you need to be 5 years post bk.

texasman07 · ‎02-04-2022

Thanks! I was kicking myself for jumping the gun on this card becasue I really wanted the Venture. I will wait 6 months and then try I guess.

gdale6 · ‎02-04-2022

Grats on your SQ1 approval

The card is likely not bucketed with that SL and I would expect CLIs in the future as long as your profile improves.

CreditAggie · ‎02-04-2022

Congratulations on your QS1 approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Titans84 · ‎02-04-2022

Congrats on your Capital One QS1 approval!

Current FICO 8:

US Bank Cash+ (PC from Perks+) | 05/2007 | $10,000

AMEX Blue Cash Preferred (PC from Blue) | 09/2008 | $25,000

US Bank Cash+ (PC from Platinum) | 12/2014 | $20,000

Goldman Sachs' Apple Card | 08/2019 | $34,000

Chase Freedom Unlimited | 09/2019 | $16,000

Elan Max Cash Preferred | 05/2021 | $25,000

FNBO Evergreen Rewards | 07/2021 | $25,000

Affinity FCU Cash Rewards | 04/2022 | $32,500

US Bank Altitude Connect (PC from Altitude Reserve) | 09/2023 | $15,000

Chase Sapphire Preferred | 05/2024 | $23,000

Citi Custom Cash (PC from Strata Premier) | 10/2024 | $16,000

Bank of America Premium Rewards | 04/2025 | $38,800

CreditMagic7 · ‎02-04-2022

Congratulations on the Capital One QS1 approval!

MartyWrite75 · ‎02-04-2022

Congratulations on your approval!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

cashorcharge · ‎02-04-2022

That's terrific!! Congratulations on your Cap1 Approval!! 🎉🥂👏

texasman07 · ‎02-04-2022

Thanks ! I was hoping the secured card would get me somewhere . At least it's a 4K limit. Hoping it grows a bit