I also started with cap1 back in 2011 when I rebuild. Somehow I ended up opening 2 platinums (they're 15 days apart). Maybe I missed the response the first time around and re-apped thinking the first one didn't go through. Anyhow, the very first one did grow up to $4800 (now venture1) but the second one gets stuck at $850 and AF. I was on the phone with CS last week to PC it to something else and he even told me last CLI was 4 years ago! I put my Pandora subscroption on that card so it's active but still couldn't get the CL increased...
Cap 1 has bucketed my card which I have accepted and no longer care about. But they don’t like my profile period. Upon doing the prequal, I’m not even eligible for the card I actually have with them, the bucketed QS. The results return their worse cards, the Platinum and the QS1. I was turned down for QS last year.
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Here's different way to look at it. How many people have a Credit One, First Premiere, Open Sky and all the other starter subprime cards for life and have 10-15 thousand CL? I haven't seen any. None. They are out there to get you started and thats it. They will never be a life long card. I had to start with the buckets Plat/QS and QS1. But once they aged. Here came QS, Venture and Savor all at $10k+ approvals. So long starters. Closed. They are a stepping stone up the ladder to bigger and better things and thats it.
This will always come up as it has over the years on why starters dont grow like prime cards do. Yeah Cap1 triple pulls. Some double. But times flies and all 5 of the the inq's I got from Cap1 with them are gone. To get all 5 cards and end up with 3 of their prime cards. Its the price you have to pay to get to the top tier cards. If you expect any starter card to be your top dog for life. Not gonna happen. Use them for what they were intended to do. Kick start and move on.
Remember. Its the card and not the person. Unless your scores dictate otherwise. So yes I graduated to answer the OP.
