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Plotting to escape C1 bucket

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1LostArk
Regular Contributor

Plotting to escape C1 bucket

I've heard that the Platinum can only be upgraded to a Quicksilver. If that's true, would the fact that I already have a QS be what's preventing me from ever getting an upgrade on my Platinum (My Platinum has been bucketed for over a decade)? My QS is sock drawered, so would it be worth a shot to PC to a Venture One to see if I get an upgrade offer for my Platinum? Or would such a thing be an exercise in futility? I also thought about transferring limit to my Platinum now that CL transfers are back to put it well outside the bucketed range (e.g. $5,000 or whatever). Thoughts?


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Message 1 of 5
4 REPLIES 4
Lou-natic
Established Contributor

Re: Plotting to escape C1 bucket


@1LostArk wrote:

I've heard that the Platinum can only be upgraded to a Quicksilver. If that's true, would the fact that I already have a QS be what's preventing me from ever getting an upgrade on my Platinum (My Platinum has been bucketed for over a decade)? My QS is sock drawered, so would it be worth a shot to PC to a Venture One to see if I get an upgrade offer for my Platinum? Or would such a thing be an exercise in futility? I also thought about transferring limit to my Platinum now that CL transfers are back to put it well outside the bucketed range (e.g. $5,000 or whatever). Thoughts?


Have you tried the /productupgrade trick on the website?




8/8/25
Message 2 of 5
Aim_High
Super Contributor

Re: Plotting to escape C1 bucket

My understanding of Capital One buckets is that once in a bucket, always in a bucket, @1LostArk.   I don't think that truly "bucketed" cards escape the bucket.  The "bucket" or tranche is determined at the time of approval and not further reevaluated. 

 

A low limit card is not necessarily bucketed.  My Quicksilver started out as a $1K CL Platinum card but was allowed to pc to a QS and grow 30x to $30K.  So obviously, it wasn't bucketed.

 

As @Lou-natic mentioned, a bucketed card probably won't be shown pc opportunities.

 

I believe that the best way to escape the bucketed card is to just close it and apply for new, unbucketed cards once profile and FICO has improved. 


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Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 3 of 5
FireMedic1
Community Leader
Mega Contributor

Re: Plotting to escape C1 bucket

@1LostArkyes we call them bucket cards. I look at them as starter cards. They start the journey to better things. Thats probably all you could get at the time. Been there done that. Had a Plat/QS and QS1. Once I built some hisory with them. I applied and all 3 were 10k SL's. As far as   it growing to 5000 or more. Highly unlikely. Use it a lot. PIF each months helps to get more. But in the end it will still be limited.



BK Free Aug25
Message 4 of 5
PlntLdy101
Member

Re: Plotting to escape C1 bucket

You can call customer service and ask about upgrades to both cards at once.  I upgraded two cards together about three months ago.  So, you may be able to upgrade your Platinum to a Quicksilver and your Quicksilver to a Venture or Savor.  I'd confirm that they are bucketed before making decisions about closing and reapplying.

Message 5 of 5
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