@delaney1 wrote:
@jcooks wrote:I just checked Capital One's website, it states that the available credit does not get released immediately. For whatever reason, mine does though.
My Quicksilver releases the available funds immediately, my Savor releases the next day.
CapOne is hit and miss regarding funds being posted to the account, I have never had my funds made immediately available; given I now have a card with enough headroom to allow me to only pay (in full) once per month, my funds typically clear a day after the payment is logged, and occasionally two days.
@micvite, I've traveled a lot in my time, and like you I've been in areas where MasterCard rules and Visa and AMEX are ugly step children which few, if any establishments will accept. The first time that happened to me I was sporting exclusively AMEX and Visa and it was a real challenge to even buy gas for the car; super annoying. The instant I got back to the United States I applied for a MasterCard. 
Regarding your CapitalOne situation, there are lots of stories on this board, mine included, where a CLI was either unavailable, or available in an irrelevant amount, however, that same card holder was able to apply for another CapOne card and get approved for a relatively high starting limit. I don't know which CapOne card you have, but I believe all new (as in new account, not a product change) Platinum and Quicksilver cards issued within the last six months are MasterCard. My bet is if you apply today, you'll have your new card in hand before you leave the States.
Edit:
I just looked up the CapOne Savor and SavorOne cards, they are both currently being issued as MasterCards as well.
@Horseshoez wrote:@micvite, I've traveled a lot in my time, and like you I've been in areas where MasterCard rules and Visa and AMEX are ugly step children which few, if any establishments will accept. The first time that happened to me I was sporting exclusively AMEX and Visa and it was a real challenge to even buy gas for the car; super annoying. The instant I got back to the United States I applied for a MasterCard.
Regarding your CapitalOne situation, there are lots of stories on this board, mine included, where a CLI was either unavailable, or available in an irrelevant amount, however, that same card holder was able to apply for another CapOne card and get approved for a relatively high starting limit. I don't know which CapOne card you have, but I believe all new (as in new account, not a product change) Platinum and Quicksilver cards issued within the last six months are MasterCard. My bet is if you apply today, you'll have your new card in hand before you leave the States.
My main concern (I have a QS1 no af) is the number of inquiries preventing me from getting approved and just adding another one for no reason (I'm also buying a car and house soon so trying to make due with what I have if possible) I have 33 ex, 26 tu and 18 eq inquiries or so... I already know the card is in the Lowest tier of cap1 cards, it was my first starter card, credit steps and all and somehow I didn't even get the credit steps lol... for example I just got a 100$ cli, after a few months of heavy spend on the card, 1% UTI total, 720 scores, and 1 30 day late from 3 years ago... my mom with a 640, a bunch of charged off mortgages, collections for over 100k and multiple 120+ day lates amd 80% util got a 2600$ auto cli on the qs1 to just under 10k total lol... she was nearly maxed out on the card before.
@micvite wrote:
@Horseshoez wrote:@micvite, I've traveled a lot in my time, and like you I've been in areas where MasterCard rules and Visa and AMEX are ugly step children which few, if any establishments will accept. The first time that happened to me I was sporting exclusively AMEX and Visa and it was a real challenge to even buy gas for the car; super annoying. The instant I got back to the United States I applied for a MasterCard.
Regarding your CapitalOne situation, there are lots of stories on this board, mine included, where a CLI was either unavailable, or available in an irrelevant amount, however, that same card holder was able to apply for another CapOne card and get approved for a relatively high starting limit. I don't know which CapOne card you have, but I believe all new (as in new account, not a product change) Platinum and Quicksilver cards issued within the last six months are MasterCard. My bet is if you apply today, you'll have your new card in hand before you leave the States.
My main concern (I have a QS1 no af) is the number of inquiries preventing me from getting approved and just adding another one for no reason (I'm also buying a car and house soon so trying to make due with what I have if possible) I have 33 ex, 26 tu and 18 eq inquiries or so... I already know the card is in the Lowest tier of cap1 cards, it was my first starter card, credit steps and all and somehow I didn't even get the credit steps lol... for example I just got a 100$ cli, after a few months of heavy spend on the card, 1% UTI total, 720 scores, and 1 30 day late from 3 years ago... my mom with a 640, a bunch of charged off mortgages, collections for over 100k and multiple 120+ day lates amd 80% util got a 2600$ auto cli on the qs1 to just under 10k total lol... she was nearly maxed out on the card before.
Just for kicks and giggles, have you tried CapOne's "soft pull" PreQual page on their web site? At least that way you'll know if they're willing to pop you a new card, Platinum, Quicksillver, SavorOne, or Savor; they're all MasterCards these days.
@Horseshoez wrote:
@micvite wrote:
@Horseshoez wrote:@micvite, I've traveled a lot in my time, and like you I've been in areas where MasterCard rules and Visa and AMEX are ugly step children which few, if any establishments will accept. The first time that happened to me I was sporting exclusively AMEX and Visa and it was a real challenge to even buy gas for the car; super annoying. The instant I got back to the United States I applied for a MasterCard.
Regarding your CapitalOne situation, there are lots of stories on this board, mine included, where a CLI was either unavailable, or available in an irrelevant amount, however, that same card holder was able to apply for another CapOne card and get approved for a relatively high starting limit. I don't know which CapOne card you have, but I believe all new (as in new account, not a product change) Platinum and Quicksilver cards issued within the last six months are MasterCard. My bet is if you apply today, you'll have your new card in hand before you leave the States.
My main concern (I have a QS1 no af) is the number of inquiries preventing me from getting approved and just adding another one for no reason (I'm also buying a car and house soon so trying to make due with what I have if possible) I have 33 ex, 26 tu and 18 eq inquiries or so... I already know the card is in the Lowest tier of cap1 cards, it was my first starter card, credit steps and all and somehow I didn't even get the credit steps lol... for example I just got a 100$ cli, after a few months of heavy spend on the card, 1% UTI total, 720 scores, and 1 30 day late from 3 years ago... my mom with a 640, a bunch of charged off mortgages, collections for over 100k and multiple 120+ day lates amd 80% util got a 2600$ auto cli on the qs1 to just under 10k total lol... she was nearly maxed out on the card before.
Just for kicks and giggles, have you tried CapOne's "soft pull" PreQual page on their web site? At least that way you'll know if they're willing to pop you a new card, Platinum, Quicksillver, SavorOne, or Savor; they're all MasterCards these days.
Yeah, I've gotten mixed results from getting a preapproval for the cap one qs1 for good credit to only getting a prequal for platinum 😅😅