Re: Question about tranfering a credit line with C... - myFICO® Forums

Shannon27 · ‎07-31-2025

I have 3 capital one card. Two cards have been stuck at 3K FORVEVER - obviously bucketed. I recently got a new Capital one card with a balance transfer option - so I transfered my credit line from both of my other cards leaving 500 on each card and now have a cap one card with a 10K credit limit.

My question is about the cards that now have the 500 credit line. Do you think that they could possibly grow over the next year or do you think since they were bucketed and I transfered the balance that they will sit at 500 FOREVER? I mean I could just sock drawer them and use them for a small purchase every 6 months or so just to keep them open.

Anyone have experience with this?

sccredit · ‎07-31-2025

When I transferred the credit lines on mine I did so with the intention of cancelling the card. IMO if it was bucketed there is no reason to keep it.

smcj · ‎07-31-2025

I have been trying to get a bucketed card to move for literal decades and I have a little over $1k of CL increase to show for it. If I applied a pay-per-hour rate to my time spent I have probably spent more than that $1k.

Net, those babies aren't moving. At least not in a timeframe and with dollar amounts you're going to care about much.

Cowboys4Life · ‎07-31-2025

I have experience with this. I had 2 QS cards that were stuck. So I had zero balance on both and transferred the CL from the one with the annual fee to the one without. I ultimately transferred all by $100 of the CL. Then I product changed that last QS card to their Venture One card with a $10k CL now due to the previous transfer. We will see if the Venture One gets future CL increases. I closed the other card as I no longer wanted or needed it and losing $100 in credit has no affect on my FICO scores.