Cap 1 bucket?

[creditnoob89]

So I know there have been many posts about Cap 1 bucketing cards, but I'm wondering how you know if you've made it out of your starting bucket?  What's the max limit for a lower bucketed card?  I got a QS1 a year ago this month.  In October, they gave me an auto CLI to $600.  I requested an increase yesterday and they upped me to $1100.  Not huge, but still almost 4x what I started with in a year.  I usually see people saying they can't get an increase, or get $100 increases and then nothing, so I'm kind of wondering if I moved up?  Or just wishful thinking?

[GZG]

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@creditnoob89 wrote:

So I know there have been many posts about Cap 1 bucketing cards, but I'm wondering how you know if you've made it out of your starting bucket?  What's the max limit for a lower bucketed card?  I got a QS1 a year ago this month.  In October, they gave me an auto CLI to $600.  I requested an increase yesterday and they upped me to $1100.  Not huge, but still almost 4x what I started with in a year.  I usually see people saying they can't get an increase, or get $100 increases and then nothing, so I'm kind of wondering if I moved up?  Or just wishful thinking?

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That card will always be 'bucketed' but you've broken out of the $500 bucket, now you're in the $1000-$3000 bucket. Perhaps the absolute maximum that card can get to is ~$5k with spend + income. 

It will still take all of your spend to see the most that card will be able to get to, and getting that increase isn't a guarantee.

100% that card won't get to $10k like a unbucketed card would be able to if you apply for a card with a clean profile

[Horseshoez]

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@GZG wrote:

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@creditnoob89 wrote:

So I know there have been many posts about Cap 1 bucketing cards, but I'm wondering how you know if you've made it out of your starting bucket?  What's the max limit for a lower bucketed card?  I got a QS1 a year ago this month.  In October, they gave me an auto CLI to $600.  I requested an increase yesterday and they upped me to $1100.  Not huge, but still almost 4x what I started with in a year.  I usually see people saying they can't get an increase, or get $100 increases and then nothing, so I'm kind of wondering if I moved up?  Or just wishful thinking?

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That card will always be 'bucketed' but you've broken out of the $500 bucket, now you're in the $1000-$3000 bucket. Perhaps the absolute maximum that card can get to is ~$5k with spend + income. 

It will still take all of your spend to see the most that card will be able to get to, and getting that increase isn't a guarantee.

100% that card won't get to $10k like a unbucketed card would be able to if you apply for a card with a clean profile

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I've seen a few anecdotal reports recently which suggest CapOne's hard limit on bucketed cards is being loosened up a bit; after my Chapter 13 I started out with what was most likely a bucketed Quicksilver, and now after several smaller requested CLIs, they dropped $1,500 on me last summer and then another $1,500 earlier this year.  My new CL is $6,300 for that card, and if things keep up like they are, I fully expect it to hit $10,000 in a year or three.

[Adkins]

Whether or not your capital one card is "bucketed" depends on how it was issued. A previous poster wrote an excellent thread on why some Capital One cards do not grow  and others do. 

[Gollum]

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@creditnoob89 wrote:

So I know there have been many posts about Cap 1 bucketing cards, but I'm wondering how you know if you've made it out of your starting bucket?  What's the max limit for a lower bucketed card?  I got a QS1 a year ago this month.  In October, they gave me an auto CLI to $600.  I requested an increase yesterday and they upped me to $1100.  Not huge, but still almost 4x what I started with in a year.  I usually see people saying they can't get an increase, or get $100 increases and then nothing, so I'm kind of wondering if I moved up?  Or just wishful thinking?

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I'm guessing that you have "moved up."

[AzCreditGuy]

I started out with $300 than PC to QS1 thats there the CLI went up to $5k, another PC to Venture 1 and I am at $8.5k....Trying to get to $10k ....I have had Cap 1 for 8yrs+....

[Chris679]

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@Horseshoez wrote:

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@GZG wrote:

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@creditnoob89 wrote:

So I know there have been many posts about Cap 1 bucketing cards, but I'm wondering how you know if you've made it out of your starting bucket?  What's the max limit for a lower bucketed card?  I got a QS1 a year ago this month.  In October, they gave me an auto CLI to $600.  I requested an increase yesterday and they upped me to $1100.  Not huge, but still almost 4x what I started with in a year.  I usually see people saying they can't get an increase, or get $100 increases and then nothing, so I'm kind of wondering if I moved up?  Or just wishful thinking?

---

That card will always be 'bucketed' but you've broken out of the $500 bucket, now you're in the $1000-$3000 bucket. Perhaps the absolute maximum that card can get to is ~$5k with spend + income. 

It will still take all of your spend to see the most that card will be able to get to, and getting that increase isn't a guarantee.

100% that card won't get to $10k like a unbucketed card would be able to if you apply for a card with a clean profile

---

I've seen a few anecdotal reports recently which suggest CapOne's hard limit on bucketed cards is being loosened up a bit; after my Chapter 13 I started out with what was most likely a bucketed Quicksilver, and now after several smaller requested CLIs, they dropped $1,500 on me last summer and then another $1,500 earlier this year.  My new CL is $6,300 for that card, and if things keep up like they are, I fully expect it to hit $10,000 in a year or three.

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Best of luck to you.  841 FICO and I can't get my Savor card past $9400 after 15 yrs.  Had been seeing slooooow progress but the last couple of requests have been denied.   Started as the classic $300 platinum rebuilder.