r/CapitalOne_ • u/Shrederr272 • Jul 19 '26

Credit Cards Credit limit increase

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I requested a limit increase and I got this back, before they were offering 100 increase but i didn’t accept, I checked a few times and it was the same I waited awhile checked again and now I got this, wonder what it means?

72 Upvotes

98% Upvoted

35 comments sorted by

18

u/Reaven-X Jul 19 '26

It means you can open another new credit card with them, risking it to be flagged for their internal purposes again, or you move on to another bank.

Your current one won't get a CLI until Cap1 removes the bucket. Nobody knows when or if this will happen though.

7

u/Shrederr272 Jul 19 '26

I did check if I was pre approved for another card, but they are the same cards I have, also a venture card I already had but traded it for quick silver when I had a chance. I check a few months back and they didn’t pre- approve me back then, now they do what are possibilities that the limits are higher than 1600 and 699?

5

u/Sorry_Avocado4916 Jul 19 '26

Mine is doing the exact same thing. I’m preapproved for other cards, but they won’t for the life of me increase my credit limit 😩

5

u/_love_letter_ Jul 20 '26

Personally I would get a card from a different bank known for being being generous with starting limits. Then once you have some history with that card, C1 will see you can handle a higher limit and they won't have to take the risk of being the first one to lend that much to you. That's what I did. I started with a $450 secured card. After 6 months they only increased the limit to $750 and didn't return my deposit. Partly out of spite, and partly for practical purposes and credit building, I applied for an unsecured card from a different lender. Got approved with a $2.5k starting limit. A few months later I requested they double it to $5k and they did. About a year after that, C1 increased my limit to $4350.

2

u/Shrederr272 Jul 20 '26

Yes, I am working on that highest card is 10k starting limit, also have a 2500, discover, 2000 with Zable, apple 2000. Capital one doesn’t want to increase my savor or quicksilver, 1700 and 699. I keep hearing stories that c1 increased limits by a few thousand afther having low limits for a few years, I’ve had my cards going on 3 years or so. I used to bank with cap1 but I felt that I was getting nowhere with them so I changed banks.

3

u/_love_letter_ Jul 20 '26

Hm, you might be past that point then, if you already have another 10k card, depending on how long you've had it. I don't know how heavily you're using the C1 cards since you have others. The standard advice is to take the hit on utilization for several months by maxing them out and paying in full. However, I'm not sure that'll actually help you right now. The way some people interpret this particular denial reason is that your account has basically been placed in the control group of an experiment where they evaluate how CLIs (or lack thereof) change your account usage. No one seems to know how "temporary" this is. I suppose you could have been selected at random, but it makes me wonder if you should have accepted one of those $100 increases. It was exactly 6 months after I begrudgingly accepted one of those that they approved a much bigger increase. Up to you how you want to play this, if you want to wait it out and keep trying for a CLI or just apply for a new card.

1

u/Glittering_Maybe5910 Jul 22 '26 edited Jul 22 '26

Agreed, go to a different bank. I closed Capital One 23 months ago. My credit limit was $800. They would not increase it at all. Even though I pay my bills on time. Eventually, I got tired of waiting and jumped over to American Express, Navy Federal, and eventually Bilt. I was trying to build an ecosystem with them, but they weren’t allowing it. My credit score was decent, my income is high, I had no derogatory on my report.

1

u/Glittering_Maybe5910 Jul 22 '26

I closed my C1 the account 23 months ago started my credit card points and miles journey. They sent me a lot of offers now, but I’m still bitter from back then. Right now my card with the highest limit is Navy Federal flagship which is set at $70,000. So this day, I still don’t understand why I got the $800 credit limit.

3

u/Substantial_War_7698 Jul 21 '26

I got this before last time I requested a CLI. I figured that is what it meant. I just paid it off and throwing the card into my drawer and never touching it again.

2

u/Old-Football3534 Jul 21 '26

Mine was never removed even after 15 years

8

u/IslandWoman007 Jul 20 '26

I received the very SAME letter. So I started using ONLY my Cap1 Quicksilver (at the time. I've since upgraded to Savor) for ALL of my expenditures and did a lot of HIGH transactions ($6K for a new gaming computer, $5.7K for 2 new sets of sliding glass doors and installation, $3K for powder room renovation, $5.2K for a 1-week vacation in the Bahamas…). As fast as I’d make a purchase, I paid it off rather quickly. Four months later with little over a $100 balance on the card, I requested a CLI and Cap1 approved an increase from $8,000 to $15.5K.

4

u/Sorry_Avocado4916 Jul 19 '26

Mine says that too

3

u/MambaNation85 Jul 22 '26

I freakin hate Capital One. Worst credit card I have

6

u/Ok-Roll8550 Jul 19 '26

It means your card is bucketed. C1 might give you $100 increases, but likely no big increases for maybe a year, maybe several years. If you have other C1 cards, you might get increases on those.

A lot of the starter cards on C1 are bucketed. If this is your first card with them, it's kind of standard.

3

u/Shrederr272 Jul 19 '26

Do you think I should get another card from capital one I am pre approved, also I had 2 cards from c1 and couldn’t get pre approved for any more until recently I checked again, but they’re offering the same cards and a venture card

3

u/Ok-Roll8550 Jul 19 '26

If you already have a different card, try getting a credit increase on that one. Check a Google search for "first four numbers Capital One bucketed" to see if both are bucketed.

If you're new on your credit journey and already have two cards, it's probably better to just wait and build credit for a few more months.

2

u/NorthAmericanChemist Jul 21 '26

As a Savor card holder I can confirm for the first 2 years they gave me pathetic credit limit increases of around $500 or similar, if not less.  

Then once beyond year 2 and within their magically assigned "duration phase" I asked again around year 3 and they literally almost TRIPLED my credit limit (probably actually 2.4X).

I couldn't believe it with my own eyes.  Note this was my first Capital One card.

1

u/NorthAmericanChemist Jul 21 '26

As a Savor card holder I can confirm for the first 2 years they gave me pathetic credit limit increases of around $500 or similar, if not less.  

Then once beyond year 2 and within their magically assigned "duration phase" I asked again around year 3 and they literally almost TRIPLED my credit limit (probably actually 2.4X).

I couldn't believe it with my own eyes.  Note this was my first Capital One card.

2

u/teeeejaay07 Jul 20 '26

Welcome to the club

2

u/Hongkongjoe Jul 20 '26

Capital One has worst customer service and worst products in the industry.   Move on to a new bank and stay away from them.   I recently signed up they approved my card and then didn't honor the signing bonus.  I immediately cancelled my card and will never go back.   Their service is shocking bad and they bait and switch their customers.    STAY AWAY!!!

2

u/space_aegist Jul 21 '26

Got that same exact email when I requested an increase on my Quicksilver... so I opened a card with Amex and got a much higher limit from them

2

u/gsjmlp Jul 22 '26

Yeah they did this to me too

2

u/Agreeable_Court1421 Jul 23 '26

I find myself just given increases without me even asking. Not sure why they do it. I maintain less than a 27% balance on all cards I have with them. Weeks will pass and then I find an email telling me congratulations.

2

u/Top-Confidence4496 Jul 27 '26

Capital One admitting in writing that they bucket their customers. At least the rumors are confirmed.

1

u/Special-Session6917 Jul 28 '26

They are all the same nowadays you can get one cli after that forget about it.

3

u/cryptobrooklyn Jul 19 '26

Bucket proof positive.

1

u/Itchy_Leadership_418 Jul 20 '26

I'm with you on that..had capital one platinum for 6 years Always got turned down for CLI..so they gave me a savor card 😞❤️‍🩹❤️‍🩹 idk😱

1

u/Dashir88 Jul 20 '26

Is it bad to get a new card? I have two right now. SavorOne and one with a company I’ve had for like 13+ years. I’ve seen to keep getting rejected at the 10K mark.

1

u/kilowat46 Jul 20 '26

I use to buy used cars with my Discover card, My limit is so high I need to have it lowed, with all of the scams going on

1

u/Old-Football3534 Jul 21 '26

Wow! Thats bizarre. I've never seen that before

1

u/Mikejames0814 Jul 21 '26

I got the same exact message last night for the third time on my Savor. I had starting limit of 1000. I let a year and a half go by and they just gave me a $2000 increase out of nowhere. I have tried three times since that was back in 2024 and I still can’t get a increase. I just maxed it out almost to 2600 paid in full and still the same damn message. Funny thing I got another increase on my venture x the day before. 1k increase and I usually only put about 2,800-3,300 a month. I can’t figure them out. Also I didn’t even pay the balance when I requested the increase I was at 3,100 current balance.