Capital Ones Highest Limits?

[Loquat]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

Use it very heavily for 3 months straight. You'll get a CLI.

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OP seems to be around $6.5K an DPs suggest that starter cards will only grow to around 8K. I've seen multiple reports of them stopping at $8250 which is, coincidentally, where my own stopped in March.

Much better to get a card with much more favorable terms than try to keep squeezing out that final $1750 on this one. OP's scores would get them any card of their choosing depending on their income.

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@Anonymous I may be a very small percentage of those exempt from this common practice.  I got my QS1 during my BK13 and since then it has grown and been PC'd into the Savor WMC currently at $44.5k.  I did roll a Venture into it some time ago and that was around 10k I believe.  So even without rolling that one card into it I would still be at $34.5k.  Again, I'm sure I'm probably one of the very few who were the exception to this common thought of being bucket'd.

[Anonymous]

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@Loquat wrote:

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

Use it very heavily for 3 months straight. You'll get a CLI.

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OP seems to be around $6.5K an DPs suggest that starter cards will only grow to around 8K. I've seen multiple reports of them stopping at $8250 which is, coincidentally, where my own stopped in March.

Much better to get a card with much more favorable terms than try to keep squeezing out that final $1750 on this one. OP's scores would get them any card of their choosing depending on their income.

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@Anonymous I may be a very small percentage of those exempt from this common practice.  I got my QS1 during my BK13 and since then it has grown and been PC'd into the Savor WMC currently at $44.5k.  I did roll a Venture into it some time ago and that was around 10k I believe.  So even without rolling that one card into it I would still be at $34.5k.  Again, I'm sure I'm probably one of the very few who were the exception to this common thought of being bucket'd.

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Did it start at $500? There seem to be multiple buckets and the $500 ones end up where mine did.

Obviously things aren't the same for everyone as a lot of people don't get much after their credit steps increase and are amazed at the limit I currently have on it but I've seen a few people on here who started at $500 and ended up stopping right where I did and they had a lot more spend than I ever could have at my current income level.

[Loquat]

@

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@Anonymous wrote:

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@Loquat wrote:

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@Anonymous wrote:

---

@Brian_Earl_Spilner wrote:

Use it very heavily for 3 months straight. You'll get a CLI.

---

OP seems to be around $6.5K an DPs suggest that starter cards will only grow to around 8K. I've seen multiple reports of them stopping at $8250 which is, coincidentally, where my own stopped in March.

Much better to get a card with much more favorable terms than try to keep squeezing out that final $1750 on this one. OP's scores would get them any card of their choosing depending on their income.

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@Anonymous I may be a very small percentage of those exempt from this common practice.  I got my QS1 during my BK13 and since then it has grown and been PC'd into the Savor WMC currently at $44.5k.  I did roll a Venture into it some time ago and that was around 10k I believe.  So even without rolling that one card into it I would still be at $34.5k.  Again, I'm sure I'm probably one of the very few who were the exception to this common thought of being bucket'd.

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Did it start at $500? There seem to be multiple buckets and the $500 ones end up where mine did.

Obviously things aren't the same for everyone as a lot of people don't get much after their credit steps increase and are amazed at the limit I currently have on it but I've seen a few people on here who started at $500 and ended up stopping right where I did and they had a lot more spend than I ever could have at my current income level.

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@Anonymous My QS1 started at $1k in credit steps.  

[Anonymous]

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@Loquat wrote:

@

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@Anonymous wrote:

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@Loquat wrote:

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@Anonymous wrote:

---

@Brian_Earl_Spilner wrote:

Use it very heavily for 3 months straight. You'll get a CLI.

---

OP seems to be around $6.5K an DPs suggest that starter cards will only grow to around 8K. I've seen multiple reports of them stopping at $8250 which is, coincidentally, where my own stopped in March.

Much better to get a card with much more favorable terms than try to keep squeezing out that final $1750 on this one. OP's scores would get them any card of their choosing depending on their income.

---

@Anonymous I may be a very small percentage of those exempt from this common practice.  I got my QS1 during my BK13 and since then it has grown and been PC'd into the Savor WMC currently at $44.5k.  I did roll a Venture into it some time ago and that was around 10k I believe.  So even without rolling that one card into it I would still be at $34.5k.  Again, I'm sure I'm probably one of the very few who were the exception to this common thought of being bucket'd.

---

Did it start at $500? There seem to be multiple buckets and the $500 ones end up where mine did.

Obviously things aren't the same for everyone as a lot of people don't get much after their credit steps increase and are amazed at the limit I currently have on it but I've seen a few people on here who started at $500 and ended up stopping right where I did and they had a lot more spend than I ever could have at my current income level.

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@Anonymous My QS1 started at $1k in credit steps.  

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Yeah the $1K ones seem to be looser buckets than the $500s. I've seen multiple reports of huge limits happening with those. Although I've seen just as many get stuck much lower than I'm at now. I think a lot of it has to do with when you got the card and how tight Cap was being with bucketed cards at that time.

[Anonymous]

How accurate is Discover Credit Scoreboard? Seems because I paid down my card im at 801 on the Fico score there?

[Remedios]

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@Anonymous wrote:

How accurate is Discover Credit Scoreboard? Seems because I paid down my card im at 801 on the Fico score there?

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It's your EX Fico 8 on a day you checked it. 

[Drwaz99]

I'm not sure how much this helps in regards to a more recent/current context, but my parents have a 25-year-old Cap1 Platinum with an 18k limit. It's their back-up card and only sees sporadic use. I've mentioned possibly PC'ing it to other, possibly better products and they just shrug it off as they are comfortable with it as is. 

[Anonymous]

I am going to reapply for a credit limit increase in a month or 2 and let the last denial cool off 

[Anonymous]

It's different for everyone. No rhyme or reason. I do think they like to see a lot of usage of the card and making multiple payments monthly. I know several people who started out with $300 lines and were increased to $2500 to $3000 after 5-6 months. I was upgraded from the platinum to the regular quick silver after only 3 months. Which has $1000-10000 credit line. Just keep trying and if you don't get the increase go for another card w/them

[Anonymous]

Someone had posted a link to see if one can upgrade cards, I followed the link and said I was able to upgrade to Venture One and all terms are the same as is the credit limit of $4500???? I took it anyways