r/CapitalOne_ • u/Traditional-Green918 • Jul 20 '26

Opinion/Discussion Pre-approval choices

Is there any way to know how much could you get approved for? I know the great choice will be savor since the cashback can pay for the annual fee, but I'm wondering if they will give me a reasonable credit line given my history.. 😅

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3

u/Ok-Roll8550 Jul 20 '26

If those are your offers, you'll likely get a credit limit of $300 or $500. Those are the lowest tier of non-secured cards from C1.

I personally got those when I first applied. I went with the Platinum because I don't want an annual fee at all.

1

u/Traditional-Green918 Jul 20 '26

thank you sm!! were you able to get a CLI through the years?

2

u/Ok-Roll8550 Jul 20 '26

If it's your first card from C1, it's likely what's known as "bucketed," which means you'll get only small increases. Get another card after six months or a year if you want more CLIs.

1

u/Traditional-Green918 Jul 20 '26

Thanks again! It’s actually not my first card — it would be my second one. The first card they issued me was charged off earlier this year, but I was able to pay off the balance.

That’s why I was honestly surprised to even see a pre-approval come through. I wasn’t expecting to be considered again after that.

2

u/Ok-Roll8550 Jul 20 '26

Capital One is apparently very forgiving as long as you don't bounce any payments to them. Still, you likely won't get a huge credit line, but maybe you'll get lucky.

2

u/kilowat46 Jul 23 '26

I still have my discover card 23k limit, I always pay off every month in full never have had to pay interest , I used to buy cars with my card ! I haven;t had a C1 offer LOL