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Credit One - max CL ?

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Lomane
Established Member

Credit One - max CL ?

First post! I currently have 3 Credit One cards -- with CLs of 800, 800, and 1,000.

I was reading somewhere that the max CL for these credit lines are 1,500 -- and I wanted to know if anyone has a higher line of credit with them??? 

I opened my first card with them about 3 years ago -- then instead of getting a CLI, I received a pre-approval offer in the mail for a separate card. Same thing happened very recently. 

FICO8 current as of : 3-15-23 EQ: 647 TU: 680 EX: 668
Update 11/15/23: EQ: 691 TU: 708 EX: 675
Discover It (x2): 13,500 & 3,000
Chase Amazon Visa Signature: 3,900
Apple Goldman Sachs: 1,500 Paypal: 3,650
NFCU MR: 1,500
NFCU Flag: 11,500
Fingerhut: 3,000
Cerulean: 1,350 Capital One Quicksilver: 600
Avant: 1,000 Credit One (x3): 1,000, 1,250 & 1,100
Total CL: Total CC UTI: 8%
2Auto Loans (91k total bal, avg 5% apr),
1 Mortgage (96k - 5.75% apr)
1 personal loans (8k total bal, 12% apr)
Income: $233k

Message 1 of 26
25 REPLIES 25
Chazzay12
Frequent Contributor

Re: Credit One - max CL ?


@Lomane wrote:

First post! I currently have 3 Credit One cards -- with CLs of 800, 800, and 1,000.

I was reading somewhere that the max CL for these credit lines are 1,500 -- and I wanted to know if anyone has a higher line of credit with them??? 

I opened my first card with them about 3 years ago -- then instead of getting a CLI, I received a pre-approval offer in the mail for a separate card. Same thing happened very recently. 


Hi! And welcome to the forums. First off, looks like you've got some other great cards in your profile - do these credit one cards have fees? If so you may wanna think about closing them.

 

To answer your question I believe $2,500 is the max for any credit one card. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt


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Message 2 of 26
EAJuggalo
Established Contributor

Re: Credit One - max CL ?


@Lomane wrote:

First post! I currently have 3 Credit One cards -- with CLs of 800, 800, and 1,000.

I was reading somewhere that the max CL for these credit lines are 1,500 -- and I wanted to know if anyone has a higher line of credit with them??? 

I opened my first card with them about 3 years ago -- then instead of getting a CLI, I received a pre-approval offer in the mail for a separate card. Same thing happened very recently. 


What is your reasoning for keeping 3 CreditOne cards?  I count six good cards in your sig, I would work on those rather than trying to get a max card from one of the absolute bottom feeder issuers in the business.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
Message 3 of 26
MT64
New Contributor

Re: Credit One - max CL ?

@Lomaneit's definitely not $1,500 as I'm at $1,700 with one now. It has taken an extraodinarily long time to get to that point though. I would drop the 2 800 cards and just work on getting the $1k card up higher but even then, as already mentioned, there are so many better cards. Probably my highest APR card and socked but just like with Capital One, served it's purpose.

 

Did not realize they had such a low CL at $2,500 but oddly have had better luck with them than my Capital Ones ($750 and $500)

Message 4 of 26
Larrypatty
Valued Member

Re: Credit One - max CL ?

The credit one trifecta. lol.  You have some decent card's. Why on earth do you have 3 of these? 

 

  I have one and it just hit the 3 year mark. Still at $400. It served its purpose, closing it after the 6th month no annual fee deal. 

 

  

Message 5 of 26
CCrew
Regular Contributor

Re: Credit One - max CL ?

I had $2400 on one and $1900 on another when I killed them, and they offered a CL, no account fees for 6 months and refund the last 6 months of AF if I kept them. 

Message 6 of 26
Lomane
Established Member

hanks foRe: Credit One - max CL ?

@Chazzay12 , Thanks for the response! 

Unfortunately - these do have pretty bad fees. I want to say $100 annual fees - for each card. 

Obviously horrible cards - but I hate to close them because 2 of them are older accounts compared to my other accounts.... My balances are close to zero on all 3... - 

May close these when my utilization gets closer to 20% 

FICO8 current as of : 3-15-23 EQ: 647 TU: 680 EX: 668
Update 11/15/23: EQ: 691 TU: 708 EX: 675
Discover It (x2): 13,500 & 3,000
Chase Amazon Visa Signature: 3,900
Apple Goldman Sachs: 1,500 Paypal: 3,650
NFCU MR: 1,500
NFCU Flag: 11,500
Fingerhut: 3,000
Cerulean: 1,350 Capital One Quicksilver: 600
Avant: 1,000 Credit One (x3): 1,000, 1,250 & 1,100
Total CL: Total CC UTI: 8%
2Auto Loans (91k total bal, avg 5% apr),
1 Mortgage (96k - 5.75% apr)
1 personal loans (8k total bal, 12% apr)
Income: $233k

Message 7 of 26
Lomane
Established Member

Re: Credit One - max CL ?

@MT64 Thanks for the info!! And I appreciate the advice. I'm nervous about closing the accounts tho -- as they are older cards compared to my other accounts - I'm 26 yo - recent grad student. most of my accounts have been opened within last 2 years. 

I also have found that capital one has given me crap CL. I finally went from 350 to 500 about a month ago -- but even that was baffling to me, considering my perfect history with them... & my income. I've had an account with them for about 7 years

FICO8 current as of : 3-15-23 EQ: 647 TU: 680 EX: 668
Update 11/15/23: EQ: 691 TU: 708 EX: 675
Discover It (x2): 13,500 & 3,000
Chase Amazon Visa Signature: 3,900
Apple Goldman Sachs: 1,500 Paypal: 3,650
NFCU MR: 1,500
NFCU Flag: 11,500
Fingerhut: 3,000
Cerulean: 1,350 Capital One Quicksilver: 600
Avant: 1,000 Credit One (x3): 1,000, 1,250 & 1,100
Total CL: Total CC UTI: 8%
2Auto Loans (91k total bal, avg 5% apr),
1 Mortgage (96k - 5.75% apr)
1 personal loans (8k total bal, 12% apr)
Income: $233k

Message 8 of 26
Lomane
Established Member

Re: Credit One - max CL ?

@EAJuggalo These are some of the oldest accounts I have -- almost all of my solid accounts have been opened within the past 2 years (recent grad student, 26 yo). So I'm pretty skeptical to close them..

 

But you're right. APR is horrible (29%) + ridiculous annual fees on each of them - $100 each. 

FICO8 current as of : 3-15-23 EQ: 647 TU: 680 EX: 668
Update 11/15/23: EQ: 691 TU: 708 EX: 675
Discover It (x2): 13,500 & 3,000
Chase Amazon Visa Signature: 3,900
Apple Goldman Sachs: 1,500 Paypal: 3,650
NFCU MR: 1,500
NFCU Flag: 11,500
Fingerhut: 3,000
Cerulean: 1,350 Capital One Quicksilver: 600
Avant: 1,000 Credit One (x3): 1,000, 1,250 & 1,100
Total CL: Total CC UTI: 8%
2Auto Loans (91k total bal, avg 5% apr),
1 Mortgage (96k - 5.75% apr)
1 personal loans (8k total bal, 12% apr)
Income: $233k

Message 9 of 26
OmarGB9
Community Leader
Super Contributor

Re: Credit One - max CL ?


@Lomane wrote:

@EAJuggalo These are some of the oldest accounts I have -- almost all of my solid accounts have been opened within the past 2 years (recent grad student, 26 yo). So I'm pretty skeptical to close them..

 

But you're right. APR is horrible (29%) + ridiculous annual fees on each of them - $100 each. 


If you're worried about closing them hurting your credit age, fear not! It wouldn't affect your credit age. They'll still remain on your reports for up to 10 years. Smiley Happy


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Message 10 of 26
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