10 credit cards that show your starting limit before approval (cheatsheet) - offers.calbartoncashback.com/Links Bill Divvy Card 7x points on Dining (SOFT CREDIT CHECK)(EASY APPROVAL) - offers.calbartoncashback.com/Divvy
Someone who works on the inside for Capital One is stealing information and using the credit card under someone else's name and who's ever name is on the card is responsible to pay for it this is currently happening to me now to me now
I answered a pre-approval application for Capitol One.I received another email from them asking me to check on my approval. I had a couple of questions about the issues that were important to me. I couldn't even get my questions answered. When I saw this video, I am wondering if they did a hard pull of my credit score and I am not going to be eligible with Capitol One. As I tried to find help I was sent in circles. I don't qualify to have a big credit limit and I know that but I thought they were a fair business until I listened to this video. I am sure glad you are able to provide me the information to make a more informed decision about my credit goals. I know that everyone has to make money for the company and I get that. But it is not a help for me at this time and I am going to look for a different company that is willing to help me not stick it to me in the conquest of more profit for them and nothing more for me to gain with doing everything right to have the credit that I am building and I wish big business owners would be more honest with the consumer and realize they are going no place with out the people who are using the service they are going to hurt me not help me because I don't make Mega money and I don't want to pay interest on everything I need. grateful for your time and help. Sincerely appreciate it. Donna Goffe
I started 19 months ago with the Capitol One Platinum $300 limit, and a 520 credit score. Now I have the Quicksilver and the Savor One with over $10,000 credit line and a 742 score
@LeviCampanilla never let your balance get over 30% and pay your card completely off on the statement date (not the due date). After 1yr I had gone up almost 200pts and they started offering me new cards and raising my credit limits.
I kept getting emails saying i pre-qualify for all their high end credit cards that require a minimum of 740 credit score but i got the savor one card for my first ever credit card instead of the savor card or the venture x card since everyone kept recommending a o% apr card for a beginner
I’ve had a Cap1 card for over 15 years. They gave me a $11k credit limit on a salary of $30K and a credit score in the low 700. I am now salary of $200k, credit score over 800 and I still have the same $11k. I asked for an increase and was denied. This video is so eye opening!
Capital One will put you in a bucket and keep you there no matter what. I've been with them 16yrs since 2007. At the time my credit was in the 500s. I started with the Platinum secured card $200 limit. Then upgraded to the regular Platinum 1yr later. Few years later upgraded to the Quicksilver one. Then upgraded again to regular Quicksilver. The highest limit I could get with a current credit score over 800 on that card was $5800. I finally decided to get a new card and applied for the Venture X and got $30,000 limit. Capital one definitely had me in the same bucket since 07
I got $6000 after 3yrs nothing else guess what I paid in full monthly they trip I locked the card after paying in full on the app and got Amex platinum no limits and chase preserve started with $17,300 and they automatically upgraded me to 20,300 after 6 months with only a $95 annual fee and I pay all my cards off before closing statement phuck capital one and chase automatically approved me for a $15,000 on the chase unlimited card with 0% Interest for 18 months I checked my app one day and it said you’re approved now I hit accept and the card was here 7 days later I said that to say they competing for my business not the other way around especially when they see you spending big across all your accounts and pay them off every month because chase monitors that even when you’re with different banks such as Amex my next thing is to get an increase from $20,300 to about $25,300 I know lending tight right now but they see my activity and they’re like he’s good for it 💪🏾💪🏾💪🏾
If CAP1 was the only game in town or I had much more spend/business I would definitely keep working on them, but for efficiency and time I got to stay with what works for me right now. I will give them a shot in a couple of years maybe.
I started with the 200 dollar card. Than quick silver I just got the savor card with 10000 dollar limit I also have capital one checking just saying I've done this in a year
Dang man. I have SavorOne & Platinum. I tried to open another with a pre approval, and they denied because “too many capital one cards” do you think I’d at least be able to upgrade the platinum? Or at least upgrade to something like Venture
The platinum is often upgraded to the quicksilver or QS1. Also, the limit only applies to their own cards. Ex: I got a C1 Walmart "partner card". 2% cash back at any store with no annual fee.
Bro! I’m glad I found your video. I have been with my Capital One account for a very long time and have always paid the annual fee! Seeing your video and going to the link… was super easy to switch out my card to No annual fee! Thank you for helping me save that fee!
I got out of the bucket and get increases every 6 months. With that said I have nearly tripled my income over the past 4 years, so it was more due to me becoming a high income individual vs any particular strategy.
I think Vantage scores are there as a steering mechanism designed to influence customers' thinking and guide them in a direction they want them to go. I have 17 accounts and I tracked the data very closely, having done several experiments. It really gives me a steep learning curve. Vantage is not linear. It's designed to work like crab pot mentality, pulling people back into the cooking pot when they see them escaping the debt mindset. Don't focus on the Vantage score. Focus on developing your wealth. A falling VantageScore during a period when you have exponential wealth growth is proof of what they are trying to accomplish.
I started with Cap One with a $300 limit about 4 yrs ago on the Platinum and got upgraded to the QS and I’m at $4k now with 1 and $3500 on another QSilver. So they been ok with me.
I left Capital One after being them for 8+ years. This rarely happens but there was a time I missed one monthly payment with them. So I paid it immediately and asked if they could waive the fee. Upright No. With my other credit card, they did. So I paid the balance in my Capital One and dropped them.
Once I had p payment that was due on a Monday holiday. I got paid the Friday before, so I called and told them. The agent told me they wouldn’t waive the late fee even though the date wasn’t a regular day. My next statement though showed they hadn’t charged me, which was a blessing.
I been stuck with a 3k limit it's been 2 year's now since I applied with them, but I want to get more higher limit and they keep asking me to upgrade my annual income so Idk if the amount i make is low to get an upgrade or do I need to make more a year so that would help me to rise my limit credit. Please if you're a in the same situation I want to read your experience too.
Crazy! Spend 499 each month and call them to tell them you want an increase because you have to pay your balance too often? Haha. Better yet, some of the presenters ideas above may work well for you.
After five years if your credit score is considered 'excellent' they will offer you a new card that has a much higher credit line. The starter cards like the Platinum and a couple of Quicksilver cards are a dead end, just keep the accounts open to boost credit age. I have two Quicksilver cards (upgraded Platinum to Quicksilver) and the two cards have a combined $1,505 credit limit. I use them once every four months and then shove them back into the sock drawer. I have a Wells Fargo & two Amex cards (one is the gold card) that I use almost everyday.
I have questions could you do a video to inform us with a list of CREDIT CARDS 💳 THAT PULL FROM Experian Credit Bureau only ⁉️ thanks for the Capital One ☝🏾 tips because I didn’t know they pull from all 3 Bureau ….TFS ♠️♠️♠️👑💪🏾😘
I've had my cap one card for a bit with no complaints yet. Sub 700 credit score. Setup all my monthly expenses to use it. Never missed payment. Took about a year for limit to be increased.
I have two capital one quicksilver cards one is a visa and one is a MasterCard. They both are pretty low limits and they seem to stay there. One is $3750 limit and the other one is only at $2500 limit. I use it once in a while occasionally, but I use my Discover and American Express cards much more!
Use the card more often for 3-6 months and pay off the card every month then request the increase. If you arnt using a lot of the limit they won’t increase it. If your limit is 2500 used 2500-5000 and pay it off more then once in the month.
They offered me an upgrade for Savor with no annual fee. I never used my cap 1 card for more than 30.00 a month for a year. As soon as I started using the card for all my regular purchases and making pmts as soon as it post, they increased my CLI and then offered the upgrade.
THANK YOU!! I know I'm so tardy for the party but I literally just completed the secret upgrade! I've had the unsecured platinum for years and didn't know that was a thing. I've also had my credit card limit increased because of your video, it was never offered. WOW...thanks so much!
@@carltonbanks5470haha Sofi 4.5 wealthfront 4.8 if you are okay with regional bank all America bank has 5.05% I really don't think capital one has competitive saving products
I've been a capitalone savior one for about 7 years. They wouldn't increase my credit for years. One day they finally did. Bringing my credit limit from 1500 to 3000 (15k at nfcu). Then kept requesting a cli till they approved 7500. Waiting 6 months and was approved to 15k. Nfcu also up to 25k, and chase at 13k. Starting credit score from 650 highest 798 currently down to 750. Heavy usage on new card till zero intrest is up.
I've never had that problem. I got a Quicksilver card 2 years ago with a starting limit of $750. It's up to $5,000 now. And I never had to ask. They were just automatic.
You are the 💣 my man. I thought I was stuck with $39 AF from the QS One. It was the only card I had with an AF and it irked me to no end. I was able to switch into a regular QS! Thanks!
If my Statement open date is January 2nd Billing cycle--this is what's reported Statement close date is January 22nd Does that mean January 23rd till February 1st has no negative or positive effect on my account as long as its paid off before the 2nd of February
You are right I called capital one customer service and asked about credit limit increase and they all of that is done by computer . The agent they have nothing to do with limit increase cause it’s computer generated. Wow 😮
Wow, a great video on how to maximize your credit card debt. Don't worry about spending what you can afford, get credit cards and be in debt for life. Cool.
Sweet. Thankyou for that secret upgrade portal 😎👍 it just worked for me. I surprised that worked. Cap1 just upgraded (no credit pull) my Cap1 platinum card TO a Cap1 Quicksilver (the better card, not the Quicksilver One) very pleased about that. Thank you
Wow!! I never knew I could "Upgrade" my Capitol One card and lose the Annual Fee!! Thanks so much for this information. Just successfully upgraded today:-) I'm looking forward to more of your content!! You're greatly appreciated🙂
If you use CCs and pay interest on a balance every month, you are a debt slave and will be digging your hole deeper each month for the rest of your life. Stop it.
My wife works for Capital one. She says they don’t have a “bucket” system. They do have 10 factors to determine credit increases. Not sure where you’re getting your information but please fact check.
terrible advice considering most of the good cards have annual fees… don’t get a credit card with an annual fee if you don’t plan on using and taking advantage of it for a long time
@@DavidThomas005I have 4 credit cards with rewards and I do not pay a fee on any of them. One of those cards is a business card. Just look for the no fee cards that give rewards. I also NEVER keep a balance so I Never pay interest
@@seankennedy5437 you don't have to pay an annual fee, there are plenty of cards out there that give you miles or cash back without a fee. The question is why would I pay a fee if I don't have to.
I wish captial one would end my bucket with the quicksilver, ive only been seeing 100-200 credit line increases. Now my Savor one I got 9k on it now, which is awesome!
I have been with them for years and have never seen an increase. I make my payments and are usually much higher than the minimum amount. I believe that I am in their “bucket”.
I've had my Capital One card less than one year, and I HAVE had a credit increase. I pay it off at the end of every month, and I DON'T exceed 30% of the credit limit. Capital One does have this credit monitoring feature, but that rascal will keep bumping your credit score down.
Just got the Platinum Card, and it wasn’t all algorithm I had to send in a 1099 & 2 recent paystub‘s and 3 months bank statements and my identification, so an underwriter was involved
A friend of mine used to say "They're like an electric fan. They suck and blow!" 😂😂😂 Only rolling with no annual fee cards with them. Transferable points producer.
You get a hard inquiry even if you don’t get “fully approved” - just completing the application itself is enough for them to ding your score (this is different from seeing if you’re prequalified)
Tried the upgrade link... it said it was no longer valid? Thanks for the video. The CO one was my first card many years ago when I had fair credit... and it has always mystified me why my limit was stuck while all the other banks have raised my limit much more. I would have cancelled this card years ago as I hardly ever use it since they have been so stingy on dishing out the credit... however, since it's my oldest credit line I don't want to take the hit as it would drop my score.
I've been offered the Savor One card with a $300 sign on bonus after spending $500 within 3 months of usage and a 0% apr for 15 months. I'm just going to wait until this gets better.
I only have two cards, and really only wanted one, but one has special features that helps me. I keep my balances low, so I can pay them off in two to four months. I was in heavy debt years ago - when I got out from under - I never wanted to go back!!! When you calculate how long it takes to pay off high balances - it's not worth it!!!
Hey, thanks for the video, great information. I have 1 Capital One Platinum card with a $1500 limit, its been that limit for the last 4 years, even after I financed my 2017 SanteFe and paid the $32k 5yr auto loan off with perfect payment history. I was under the illusion that I had a good standing with them but maybe not.
Nope. Just get an American Express GOLD or PLATNUM card. Pay off, all Crap-it-alot cards you have and cut them up with a not-a-blow-tourch. Now buy US Savings Bonds and use a Credit Union. Forget about your credit rating and go for the ZERO FICA. Now you ar ;e the bank, and if everyone else that watches this video dose the same, we can get together in 10 years and BUY Crap-it-alot
Ever since I found out my Walmart card was going to be another Quicksilver card I've been itching to closeon and try for a Savor One. Used your upgrade advice and was able to upgrade my old Quicksilver to a Savor One with no extra credit pull. Now I'll have the benefit of both cards available. Thanks man!
I have Savor and tried to get Venture X. They said no because my credit is too good. Next year when my Savor card renews, I will no longer be a Savor customer. It’s a great card, but I don’t really want to do business with a company like that.
@@bringnaturalbeautyback You found me out but I was not lying per se. I really intended to fire them but once I settled down I found I really like that damn Savor Card. I will keep it. BUT they did in fact deny me and my credit score is in fact so high it can’t get any higher. They really want people who carry a balance and pay penalties and interest. that way they can recoup some of their money. I am not who they are looking for unfortunately. AND I’m not griping. I get it. I have taking advantage of them for over thirty years. They had to figure it out sooner or later.
These smaller cards are for BUILDING credit. If you have good credit they feel like you don’t need it do they stop your limit. And if your credit is that good its time to upgrade to better cards anyway, don’t need the beginner cards anymore
Watched ur video. Decided to check my capital one venture card. Once I signed in it showed I could request a credit line increase. Went thru the steps and recieved a $9900.00 increase. Previously the increases were minimal. Around $1300.00 each time. Agree its difficult to get increases thr cap one. I just want higher credit limit so my debt to availability is larger.
😂😂😂 my capital one is a 300$ limit my lowest limit card, only pulled from 1 bureau 😂 was kinda upset because i just got approved for 8k with discover it and a week later I applied for capital one and boom 300$ didn’t realize its also a yearly fee
seriously ! uf you buy into the poiny / cash earning and annual fee you have to be an idiot, i have a quick silver and no annual fee, when i applied for ir capital one had 2 version with and without fee, why do all that work
Yo thanks for the link, it worked like a charm! Upgraded my starter Platinum card to a Quicksilver Rewards with one click. I’m clearly still in the fair credit bucket even though my score is in the 700s now but its nice to get a better card in my wallet.
I've been with Capital One since 2012. They wouldn't give me an increase they want me to apply for a new card, but I will lose my history. Even with a 740 score. I have 2 cards with Navy Federal total $40,000 and SECU $20,000 (2018) and other smaller cards.
Capital One's target market is primarily low/no credit, and their customers are treated accordingly. If you are looking to build credit, they are not the worst. Other than that, do yourself a favor and get a proper card from Amex, Chase, etc.
