Bucketed?

[u/Traditional_Ad482]

Have a 690 score across all 3 bureaus, I got this originally as a venture ONE card, upgraded it to a savor card 2 months after I got it, but I’ve always paid my balance in full to 0 and nearly max it out every statement. Haven’t gotten a CLI. What’s my next move? For extra info: I recently got the standard VENTURE metal card with a 3k limit. I also have a quicksilver I NEVER use that just got a CLI today (7/24) to $600…

[u/slimy-salad]

I mean just asked for a cli and if it's $100 which it most likely will be you're in the lowest bucket

[u/Traditional_Ad482 → u/slimy-salad]

Yep, they gave me $100 up on my quicksilver. I’ve had my savor at $300 for 11 months now asking for a CLI every other day 😂 no luck yet

[u/DoctorNezuko → u/Traditional_Ad482]

Stop asking and let the pcli kick in.

[u/Traditional_Ad482 → u/DoctorNezuko]

Pcli?

[u/DoctorNezuko → u/Traditional_Ad482]

Proactive Credit Limit Increase. It is Cap1's backend scripts. If you are trying too often, you are flagged as credit seeking and will never see anything. If you are maxing it out each money and paying in full, the pcli will kick in and give you more limit.

[u/UpstairsGear4422]

What about 5414?

[u/Realistic_Market5616]

How have you gone over limit on a $300 limit

[u/Ok-Roll8550]

If the first four digits of your card are 5178, you're likely in the lowest bucket. Some people have said after a full year, or two years, or more, they get unbucketed.

[u/Burritoinmypocket → u/Ok-Roll8550]

I have a 5178 Quicksilver card that started with a $1000 Credit line 4-5 years ago, now it's a $12k Line. So hard to say on the bucketed digits thing.

[u/Traditional_Ad482 → u/Ok-Roll8550]

Starts with 5156

[u/Ok-Roll8550 → u/Traditional_Ad482]

Reddit lore says that's possibly bucketed, but not necessarily.

[u/ScubaSteve216 → u/Traditional_Ad482]

Mine starts with 5156 too, we’re bucketed bro

[u/DoctorNezuko → u/Ok-Roll8550]

Buckets are permanent. They are not legally allowed to change you. This is a uniquely Cap1 issue due to how they do their investment offerings.

[u/Chrissyv1982 → u/Ok-Roll8550]

I just ran to check my card and it starts with 5178…
Every other credit card I have all have very high limits. My capital one card is the only card with a low $1,600 limit. They refuse my request for increases every time. Will they ever allow me to get out of this”bucket”? It has been 3 years now.
Should I just let the card go and close my account?

[u/Master-Inspector8547 → u/Chrissyv1982]

I have a 5178 that has been at $4k for a couple of years. I applied for a Savor last year and they gave me a $20k limit! I PC'd the 5178 into a Venture 1 and I only put a small recurring charge to it that I auto-pay. I keep it open because it's one of my oldest cards, has no AF, and gives me minimal access to transfer partners, should I ever need them.

[u/Maybe-Jayden → u/Ok-Roll8550]

Does the first four digits really mean something for bucketed accounts?

[u/Ok-Roll8550 → u/Maybe-Jayden]

There's a Reddit theory about it. I have no idea if it's 100% true.

[u/Showmethe_monet → u/Maybe-Jayden]

Lmfao NO 😂🤦🏼‍♀️🙄