Lowest limit yet, but at least I'm finally in.

[nursepower]

Update:

My AF has been permanently removed and has been updated to show a $0 balance on the card instead of the $39 fee. They wouldn't budge on the CL, but at least I don't have a fee for having $300 limit.

[Anonymous]

Congrats!

[kward2265]

Capital One has been extremely generous to me over the years.  Pay on-time and over the minimum and they seem to reward you handsomely.

[nmbrsgrl]

My Cap1 card started at a $300 CL and automatically bumped up to $1800 CL after about 1 1/2 yrs. I used it a lot but paid it off several times a month.

Congratultions!

[bigDEElight]

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@nursepower wrote:

The only two cards I don't have are a Capital One and a Citibank so I decided to go for the quicksilver one...approved with a $300 limit and $39 annual fee. Can anyone tell me if these graduate or limits increase? Should I attempt to recon once I get the card? Either for more funds or something?

On the other hand I'm really excited to have a Capital One card finally!

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I got this card in 11/2013 for a $500 limit. I called to recon after approval and was told I was enrolled in the credit steps program. Fine, I was just happy to have a credit card that wasn't secured.

Credit Steps basically means in 5 months (of on time payments), you'll get bumped to the next limit which in my case was $750. With this card, I have 0% interest so I use frequently, pay often, but carry a small balance. Long story short, I didn't get bumped to $750 this month, I got bumped to $2,500. I say all that to say: don't be discouraged by the low limit for now. Use it wisely, pay more than the minimum, and it should pay off in the end.

[bigboytoys26]

I got my cap1 plat card back in aug 2013 and it had a $1k limit on it and was enrolled in the credit steps program. I would use the card for everything and ensured that there was at least 70% of the credit avail at the time it reported to the bureaus. I was able to jump from a $1k limit to $2.5k limit back in Jan 2014. I just recently upgraded that card to quick silver.

[coldnmn]

Congrats! Thanks for sharing.