Well, I think I can safely say I've gotten myself out of capital one buckets. I iib them on a couple of small credit cards about 18 months ago. Since then, solid rebuild, bucketed quicksilver with $300 limit, then a bucketed venture one with $300 limit.
Then on the 17th month anniversary of the ch7, i applied for a car loan for a new car and capital one came through with best rate and $45,000 loan. Then last night i got the 4th or 5th message to check my credit card pre approvals. Instant approval for savor rewards with $5,000 limit. I don't love the apr, but I haven't paid credit card interest since the bankruptcy, so it doesn't really matter. I think this is a respectable, no bucket limit though.
So what do I do with my other cards? Qs1 has a $39 af and is now at $400 limit, venture one had no af and also now at $400 limit. I also have a million lane cashback card with $2,000 limit and sparrow Mastercard with $500 limit and no "annual" fee, but a monthly charge of $8.25 so being real, it's a $99 af. Everything is currently $0 balance except the venture has $9.90 reporting for paramount plus.
Congrats! Love the Savor card. Personally, I'd drop any AF cards and PC one of your Capital One cards to a no AF Quicksilver. It's not ideal, but you could move $1k - $2k of credit from Savor over so you would have to cycle less. $4k and $1.4k or $3k and $2.4k isn't too bad. That'd get you started on a decent duo for a while until you can move up to a 2% general card and maybe add another card that better aligns with one of your major spend categories. You can always move the credit back to your Savor down the road if you no longer find the Quicksilver useful.
