@jcooks wrote:Product changes can get the card out of the bucketed category. The only issue with going that route, most bucketed cards have low limits and PC'ing into a non-bucketed card won't automatically give you a CLI. You still have to request it. I think with CapOne, the PC should only be used to get away from an AF. Otherwise, just app to a new card either with CapOne or a different lender all together. CapOne has been very valuable to me and many other in credit rebuilding. But at a certain point, CapOne rebuilder cards have to either be let go or just sock drawered.
I disagree, a lot of bucketed cards seem to stay in that bucket regardless of PCing or upgrading. That's why members usually suggest to just open a new card because the old card seems to reflect the weaker profile of the individual at the time of application indefinitely regardless of progress made towards a stronger profile.
@Anonymous, welcome to the forum. 
I don't think the amount you request makes a lot of difference. I recall being offered a 3k increase after having requested something less than that.
As mentioned, the bad news in this case is that Capital One cards with limits below 1k tend to stay there. But the good news is that now that you've built up a positive history with them, you're likely positioned for a decent approval on a new card. A Quicksilver or SavorOne could be a good fit for you.
Also, check for upgrade offers on your current card. Even though your limit might not grow, chances are still excellent that this card can be upgraded to a product that earns rewards.
If you opt to apply for a Quicksilver and it turns out that you can upgrade the Platinum to Quicksilver, don't worry about having two of that card. It's better than a Quicksilver/VentureOne combo, for instance.
Thank you so much everyone!! You all are amazing for this helps me out so much all this advice
Appreciate everyone telling me I'm doing good with building my credit up Im excited to keep it going and keep working on getting new good cards.
I want to reply to all of you bit their isnt a quote option so I'll do 1 big reply,
First I'd like to say I never knew about the term "bucketed" card. That helps alot! So I guess pretty much the card will never grow on its own because it was thrown in a bucket with all the other same cards.
I will for sure keep my expectations low with the amount they give me for the CLI with this current card
My plan I think will be to upgrade my Premium to a quicksilver card, I went to the product page link and it lets me upgrade! Then after that I will sumbit a CLI.
After that when my credit updates to about 730's with my paying off everything I will apply for a new card eventually. I'm thinking of getting a Amazon card and one regular reward type card.
Does anyone have a suggestion of what card I should go for next when I'm in the 730-740 range?
Also one last question I had was my TransUnion on Credit Karma shows I have 4 hard inquires, but my Equifax on their shows I have only 1 total. 1 of the TransUnion one should fall off in December later this year.
Do you all think it will be bad for me to go over the 4 Inquire amount on TransUnion once my score hits 730-740? Credit Karma shows 5-8 as the orange level of impact so I've been trying not to go over 4.
Thanks again everyone!
@Anonymous - if you opt to apply for a new card, you'd do well for your scores to update and look at a different lender that will not HP all three CRAs. There's a posting in these forums that list institutions with SPs that are fairly reliable. You might want to check that out because Cap1 has had a poor rep for consistent growth in the last five years or so.
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@SweetCreditObsession wrote:@Anonymous - if you opt to apply for a new card, you'd do well for your scores to update and look at a different lender that will not HP all three CRAs. There's a posting in these forums that list institutions with SPs that are fairly reliable. You might want to check that out because Cap1 has had a poor rep for consistent growth in the last five years or so.
Are you saying there are lenders which will approve a new unsecured credit card with only a Soft Pull?
@FinStar wrote:
@Horseshoez wrote:
@SweetCreditObsession wrote:@Anonymous - if you opt to apply for a new card, you'd do well for your scores to update and look at a different lender that will not HP all three CRAs. There's a posting in these forums that list institutions with SPs that are fairly reliable. You might want to check that out because Cap1 has had a poor rep for consistent growth in the last five years or so.
Are you saying there are lenders which will approve a new unsecured credit card with only a Soft Pull?
Yes, they exist. Some include Comenity store-branded and V/MC-partner cards -- outcomes will vary but there's a mega thread with plenty of DPs. Also, BB&T still has their pre-approval portal for which cards can be obtained via SP -- this might change once all Truist lending platforms are fully transitioned but for now it's BAU until that happens. Just some examples.
Thanks for the feedback, I'll take a hard pass on the Comenity/Synchronys of the world, and, so far at least, I've never considered any of BB&T products.
