Not sure why they like me, considering the low spend I put on this card, but they do. You’d think a card that started at $300 was stuck in the low limit bucket. It may yet still be. I still haven’t crossed $5k with it, but it’s not stuck at something ridiculous like the $1500 I seem to be stuck on with Discover. Anyway, my history with this card is as follows: Opened the Quicksilver card in March of 2021 with nothing on my FICO files. Absolutely nothing. This was my very first account. Started at a limit of $300, but i spent around $1000 on the card the first couple months by paying the balance down as I went. It was my only card for a couple weeks until I got the Discover secured card as well. At 3 months they bumped me up to a $400 limit when I requested an increase. 6 months after that, I got an auto increase to $2900 but I was TRYING to get an increase at that point, I was letting the card reach the limit before paying it down in one large payment, rather then paying as I went as I was before, just so Capital One can see the large payments. It worked, even though the card was still reporting with a $0 balance each month. Today I went to the site to update my income, as I just got a raise at work. I figured it’s been another 6 months, so why not ask for another increase? Keep in mind I wasn’t doing anything to get an increase, I only put $500 on that card this month total and the last few previous months have been even less. I only spent $500 this month because I was visiting my mother down south and there are a lot more merchants there that don’t take contactless pay then where I am in NY. This means no Apple Card. I paid it down before the statement cut as usual. I still got an increase to $4400. This card has pretty much been reporting with a $0 balance for a year at this point.
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Credit limit increase on a starter card from Capital One

1 of 7
2 years ago
Tue Sep 13, 2022 10:30 pm
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Tinkegrrl
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Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 15 days, 13 hours, and 23 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 14 days, 10 hours, and 37 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 15 days, 13 hours, and 23 minutes ago
Post was altered.
Last edited by Tinkegrrl on Tue Sep 13, 2022 10:32 pm, edited 1 time in total.
Not sure why they like me, considering the low spend I put on this card, but they do. You’d think a card that started at $300 was stuck in the low limit bucket. It may yet still be. I still haven’t crossed $5k with it, but it’s not stuck at something ridiculous like the $1500 I seem to be stuck on with Discover.

Anyway, my history with this card is as follows: Opened the Quicksilver card in March of 2021 with nothing on my FICO files. Absolutely nothing. This was my very first account. Started at a limit of $300, but i spent around $1000 on the card the first couple months by paying the balance down as I went. It was my only card for a couple weeks until I got the Discover secured card as well. At 3 months they bumped me up to a $400 limit when I requested an increase. 6 months after that, I got an auto increase to $2900 but I was TRYING to get an increase at that point, I was letting the card reach the limit before paying it down in one large payment, rather then paying as I went as I was before, just so Capital One can see the large payments. It worked, even though the card was still reporting with a $0 balance each month.

Today I went to the site to update my income, as I just got a raise at work. I figured it’s been another 6 months, so why not ask for another increase? Keep in mind I wasn’t doing anything to get an increase, I only put $500 on that card this month total and the last few previous months have been even less. I only spent $500 this month because I was visiting my mother down south and there are a lot more merchants there that don’t take contactless pay then where I am in NY. This means no Apple Card. I paid it down before the statement cut as usual. I still got an increase to $4400. This card has pretty much been reporting with a $0 balance for a year at this point.
Tinkegrrl
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Re: Credit limit increase on a starter card from Capital One

2 of 7
2 years ago
Tue Sep 13, 2022 10:31 pm
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JNA1
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JNA1 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 23 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 23 minutes ago
Congrats!
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Re: Credit limit increase on a starter card from Capital One

3 of 7
2 years ago
Tue Sep 13, 2022 10:45 pm
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Tinkegrrl
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Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 15 days, 13 hours, and 23 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 14 days, 10 hours, and 37 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 15 days, 13 hours, and 23 minutes ago
JNA1 wrote: Tue Sep 13, 2022 10:31 pmCongrats!
Thanks, but it kills me that Capital One will give me increases and Discover won’t. I really need it on the Discover card. I spend more on that in total then this one. This one is pretty much used for the $5 credit I get for DoorDash each month with it and the odd merchant that doesn’t take Apple Pay and isn’t covered by bonus categories on my other cards.
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Re: Credit limit increase on a starter card from Capital One

4 of 7
2 years ago
Tue Sep 13, 2022 11:18 pm
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JNA1
Seasoned Rebel
JNA1 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 23 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 23 minutes ago
Post was altered.
Last edited by JNA1 on Tue Sep 13, 2022 11:27 pm, edited 1 time in total.
Tinkegrrl wrote: Tue Sep 13, 2022 10:45 pm
JNA1 wrote: Tue Sep 13, 2022 10:31 pmCongrats!
Thanks, but it kills me that Capital One will give me increases and Discover won’t. I really need it on the Discover card. I spend more on that in total then this one. This one is pretty much used for the $5 credit I get for DoorDash each month with it and the odd merchant that doesn’t take Apple Pay and isn’t covered by bonus categories on my other cards.
I certainly feel you on that! My Disco was my first major card. I got mine in Dec of 2018, and it was Sept of 2021 before I got a CLI on it. I ran $40K through that card the first year, but they would budge off my SL. I finally made a larger than usual purchase for like $700 and let it report, and they finally bumped me up.
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Re: Credit limit increase on a starter card from Capital One

5 of 7
2 years ago
Tue Sep 13, 2022 11:21 pm
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JNA1
Seasoned Rebel
JNA1 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 23 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 23 minutes ago
This is the elation you can expect when you finally get that first one! 😂😂 viewtopic.php?t=393
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Re: Credit limit increase on a starter card from Capital One

6 of 7
2 years ago
Wed Sep 14, 2022 5:13 am
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Tinkegrrl
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Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 15 days, 13 hours, and 23 minutes Next Level in14 days, 10 hours, and 37 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 15 days, 13 hours, and 23 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 14 days, 10 hours, and 37 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 15 days, 13 hours, and 23 minutes ago
JNA1 wrote: Tue Sep 13, 2022 11:21 pm This is the elation you can expect when you finally get that first one! 😂😂 viewtopic.php?t=393
Lol! Well, I let the balance report. It was 78% of my limit. It tanked my score by 37 points. I BETTER get a credit limit increase when I ask after the payment clears damn it.
Tinkegrrl
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Re: Credit limit increase on a starter card from Capital One

7 of 7
2 years ago
Wed Sep 14, 2022 11:16 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 23 minutes Next Level in6 days, 10 hours, and 37 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 23 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 23 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 23 minutes ago
Tinkegrrl wrote: Wed Sep 14, 2022 5:13 am Lol! Well, I let the balance report. It was 78% of my limit. It tanked my score by 37 points. I BETTER get a credit limit increase when I ask after the payment clears damn it.
Hopefully you will. The score hit is temporary, where the CLI will last a lifetime! (well, kinda)
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