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The Capital one standard $3000 max credit limit increase how to get it.

Cardhead
Member

The Capital one standard $3000 max credit limit increase how to get it.

My cap one Quicksilver  has been stuck at 10k forever. Dont use it a lot, have run 4k balances and paid them off still no increase. 

 

I just got a $3000 increase. This seems to be cap one's max increase at a time. I remember this from before

 

I HADN"T USED THE CARD IN 6 MO!

 

I simply owed 10k on another card, had the cash to pay it. Instead of paying that card I did a 10k balance transfer on my quicksilver that posted a couple days after my statement date. I paid it off the day before my next statement date.

 

Cap one has no balance transfer fees so effectively i borrowed the 10k for 28 days for free. 

 

Next time i applied for increase 3k approved.

 

It seems that for a CLI the usage of the card may not be that important but if you make payments near your crediti limit that trigrers you for an increase. I remember that happening over and over with my Discover although the limit now at 45k would be hard to make that kind of payment without some kind of planned activity. 

Message 1 of 45
44 REPLIES 44
Shooting-For-800
Senior Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.

I have received CLIs as high as $8,000 on Cap One QS.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture



Message 2 of 45
DoctorManhattan
Frequent Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.

Others have had higher increases, but either way congrats on the CLI! Smiley Happy

Message 3 of 45
GApeachy
Super Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.

Dh recently received a $3k cli, his Spark also received a $3k cli and I too just got a $3k cli so maybe that's Cap1's Average high cli perhaps? 

"My Take Home Pay Don't Take Me Home"
Message 4 of 45
seattletravels
Valued Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.


@GApeachy wrote:

Dh recently received a $3k cli, his Spark also received a $3k cli and I too just got a $3k cli so maybe that's Cap1's Average high cli perhaps? 


Or just the average? Were those all auto CLI?



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 5 of 45
angelwingz
Valued Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.

Whether 3k is the average CLI or not, congratulations! 👍

 

Last CLI I received from Cap1 was 250 🤪




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 6 of 45
GApeachy
Super Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.


@seattletravels wrote:

@GApeachy wrote:

Dh recently received a $3k cli, his Spark also received a $3k cli and I too just got a $3k cli so maybe that's Cap1's Average high cli perhaps? 


Or just the average? Were those all auto CLI?


Oh no, I requested each one.

"My Take Home Pay Don't Take Me Home"
Message 7 of 45
Remedios
Moderator

Re: The Capital one standard $3000 max credit limit increase how to get it.

Congrats on your increase 

Message 8 of 45
seattletravels
Valued Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.


@angelwingz wrote:

Last CLI I received from Cap1 was 250 🤪


Just keep working at it! 🙃



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 9 of 45
GApeachy
Super Contributor

Re: The Capital one standard $3000 max credit limit increase how to get it.


@angelwingz wrote:

🤪


Lol!  That made me laugh.  Yeah, I've gotten that Big, Bad $250 as well. 

Felt just like that lil' guy^^^^too Smiley Tongue

"My Take Home Pay Don't Take Me Home"
Message 10 of 45
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