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I used a Capital One secured card for a year to get my credit scores up, but that was my only card. I have been wanting to add another card...After reading these post, I applied for the Venture & got approved for $15k.
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EQ 693
TU 718
EX 685
I have a Cap One card for about 4 years did nothing with it let it go never paid I oneday finaly started to after they about closed it out.
this was about 1.5 years ago I got it back on track started at 320 I just this past week got a cli of 1500 no request on my part.
I will say I have been using the card and paying it off as I used it mostly so that is one of the things they look at I feel using it and paying it off.
So if you can use your cc and just pay it off and use it more and not use your bank card they will probaly give you a increase.
@CreditJim wrote:I think the OP is asking what limits could his existing cards reach? TimeLBK, one of my Capital One cards started as a $300 Platinum, and is now at $15k, so they can all grow.
To quote myself in this old thread, that card I had that started out as a $300 Platinum is now at $51k thanks to a couple of combinations!
So, just for your info....In July 2014 my EX was:
682
4 inq
About 3 charged off cap one accounts that were IIB
4 % utilization
Got approved for Venture HIGH APR like 20. something APR and 20k limit....got one soft pull (luv button) increase since opening in 2014....so now sitting at 23k
I then applied for Quicksilver, approved for 10k, high apr again.
No CLI's on the Quicksilver since opening.
As of now both cards are maxed and I will be paying the Venture down to 11k from 22500 and QS to 0.00 from 9700.00
It will be interesting to see how the luv button treats me after those large payments on my cap one accounts and overall debt reduction of 60k, putting my overall utilization well below 30 % and my 90 point score jump across all reports which would put me 30 points higher then where I was when I got approved in 2014 for the Venture with the 20k limit
I hope I can then score a large CLI with Cap One to further help my overall utilization.
I started out with a $300 platinum and a $500 quicksilver one 3 years ago. Now both my platinum and quicksilver are World Mastercards no annual fee. Platinum is now at $15500 and my Quicksilver is $18750. They can go up and if you treat them well they will treat you well. I now have no annual fees on either of them.
Checked the pre qualify today on Capital One for the fun of it and I Qualify for both a Quicksilver Visa and a Venture card. So my little sub prime cards went into prime catagory credit limits and I now pre qualify for their good cards as well.
| Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |










If you don't mind me asking, how long did it take you to reach $51K on your Capital One Quicksilver?
My Playstation card started out at $1,000 a and in less then a year I had it go up to $7,500.