what do i do with a toy limit cap1 QS?

[Sloedough]

OP - My QS is at $5,200. It started as a QS1 with a $300 SL and I upgraded it to a QS. I agree that it was in the "starter bucket", but once I upgraded it it grew. All I did was monthly I requested a CLI. Most of the time it was denied, but the times I was approved it grew substantialy. I can honestly say that I think the card is no longer in the "starter bucket".

[AverageJoesCredit]

Play with it

[Anonymous]

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@SloedoughOP - My QS is at $5,200. It started as a QS1 with a $300 SL and I upgraded it to a QS. I agree that it was in the "starter bucket", but once I upgraded it it grew. All I did was monthly I requested a CLI. Most of the time it was denied, but the times I was approved it grew substantialy. I can honestly say that I think the card is no longer in the "starter bucket".

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This example above is the exception, not the norm.  9 out of 10 people on this forum that have a Capital One card that's born on a starter account will never see that card grow substantially.  It doesn't matter if the card is PC'd to a better product, if the person's credit scores improve 200 points, etc.  Your example above is possible no doubt (you are evidence of that) but it's really a 1 out of 10 type chance that it happens.  This is just important for people like the OP to understand so that they don't develop unreasonable expectations.

[Anonymous]

I’m in a similar situation. I had the platinum card SL’s $500. And they did auto CLI after 5 month, raised it to $1500. And then I PC it to QS. But technically it’s still a Plaiunum MasterCard, just with $1500, and earns rewards. My score now is better and I have much better cards from Chase and Amex that have much higher limits. $1500 is my lowest card right now.

According to the topic in this thread, will this card not grow anymore? I’m thinking if it can reach $5000 then I’ll keep it. Or if I PC to Savor will the limit increase??

[FireMedic1]

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@Anonymous wrote:
I’m in a similar situation. I had the platinum card SL’s $500. And they did auto CLI after 5 month, raised it to $1500. And then I PC it to QS. But technically it’s still a Plaiunum MasterCard, just with $1500, and earns rewards. My score now is better and I have much better cards from Chase and Amex that have much higher limits. $1500 is my lowest card right now.

According to the topic in this thread, will this card not grow anymore? I’m thinking if it can reach $5000 then I’ll keep it. Or if I PC to Savor will the limit increase??

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There really isnt a set in stone result. Some get more, some dont. If there was a solid set climb then everyone would be doing it. Many complain they wont grow more than a few that have had success. My case I used them until I could get approved for the top Cap1 cards and then they went bye bye. Like they say here YMMV especially when it comes to Cap1.

[HeavenOhio]

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@Anonymous wrote:
I’m in a similar situation. I had the platinum card SL’s $500. And they did auto CLI after 5 month, raised it to $1500. And then I PC it to QS. But technically it’s still a Plaiunum MasterCard, just with $1500, and earns rewards. My score now is better and I have much better cards from Chase and Amex that have much higher limits. $1500 is my lowest card right now.

According to the topic in this thread, will this card not grow anymore? I’m thinking if it can reach $5000 then I’ll keep it. Or if I PC to Savor will the limit increase??

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If you've reached a $1,500 limit, it's possible that your card could still be in a subprime bucket. But I think the chance of increasing your limit is a lot better than it would be for many. A lot of people here have trouble CLI-ing limits beyond the $750 range.

The Platinum designation is confusing. It's the name of a Capital One product, a Visa product, and a MasterCard product. As far as Capital One products go, your card is no longer a Platinum. But it's still Platinum in MasterCard terminology. Making this even more confusing is that when you log into your account, Capital One might identify your card with either their own product name (Quicksilver, Savor, etc.) or the Visa/MasterCard product name (Platinum, World, World Elite, or Signature).

[BM3]

Heaven, I am 99% sure it's a marketing ploy to get someone to feel good about their plat card.. 

[Anonymous]

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@HeavenOhio

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If you've reached a $1,500 limit, it's possible that your card could still be in a subprime bucket. But I think the chance of increasing your limit is a lot better than it would be for many. A lot of people here have trouble CLI-ing limits beyond the $750 range.

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That is correct above.  It's also possible to have a limit that's higher than that and still be in a subprime bucket.  My SL on my CO Platinum was $3000 and it was a starter account.  I was able to get a pair of $500 CLIs on the card, but it stalled at $4000 and wouldn't ever go any higher than that even though my credit scores went up 200 points and my profile went from weak to strong.

[Sloedough]

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@Anonymous wrote:
I’m in a similar situation. I had the platinum card SL’s $500. And they did auto CLI after 5 month, raised it to $1500. And then I PC it to QS. But technically it’s still a Plaiunum MasterCard, just with $1500, and earns rewards. My score now is better and I have much better cards from Chase and Amex that have much higher limits. $1500 is my lowest card right now.

According to the topic in this thread, will this card not grow anymore? I’m thinking if it can reach $5000 then I’ll keep it. Or if I PC to Savor will the limit increase??

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My QS (then a QS1) was at $1,500 for a long time, almost a year. Then the next CLI they pumped me to $3,200. Maybe they reviewed the account and "Changed the Bucket".

[chatty383]

Awesome, hopefully my limit will have increased tremendously by this time next year.