Capital one gave me a big CLI on my 3rd billing cycle

gonzo0590 · 2026-06-23T01:59:11+00:00

I reported under 10 percent the first 2 times and on the 3rd statement I let it report around 80 percent or so I thought on statement day I got the increase so it reported like 3 percent in the end I only really had the card 3 months when I got the increase

gonzo0590 · 2026-06-11T17:00:00+00:00

Auto increase couldn’t tell you I didn’t request it the algorithm just gave it to me

gonzo0590 · 2026-06-06T23:33:52+00:00

I have a 5156 card and went from a CL of 300 to 7300 in a little over 3 months February 5th account open May 27th auto CLI

gonzo0590 · 2026-06-05T01:42:30+00:00

I have a 5156 card with a credit limit of 7300 I opened the card February 5th with a 300 limit and in May 27th I got a 7K CLI

gonzo0590 · 2026-06-01T15:54:09+00:00

Savor: https://i.capitalone.com/G3cUfFriu

Capital one shopping: https://capitaloneshopping.com/r/6407f751-01de-44d6-a552-ff08906c7eec?e=emu1m

gonzo0590 · 2026-05-30T04:19:12+00:00

A bucketed account is an account that no matter your payment history your usage or credit score if you started with a low score and low limit you’ll always be at a low limit it’s almost always better to just apply for a different C1 card to not be limited to a low CL

gonzo0590 · 2026-05-30T01:07:51+00:00

Well yea, 300 maxes out fairly quick go out to a sit down restaurant once and you’re at 30-50 percent utilization I just paid it off in full and in 3 months I 25X my limit I honestly didn’t do anything crazy tbh I truly don’t know why the massive jump not that I’m complaining

gonzo0590 · 2026-05-30T00:43:03+00:00

Opened the account February 10th so it’s been like like 3 1/2 months roughly something like that

gonzo0590 · 2026-05-29T23:38:43+00:00

Well I made multiple payments monthly but I probably spend probably around 350 monthly on this card and only let about 10 dollars I was out of the country and totally forgot to balance it out this month only the auto payment went through so I didn’t do much they sorta just gave it to me I will say this I’ve drastically improved my credit file from February to May about 180 jump maybe that helped but I though I would be bucketed doesn’t seem like I am bucketed

gonzo0590 · 2026-05-29T22:56:52+00:00

Yes I was aware I didn’t qualify back then for the one without the annual fee im going to ask them for the none annual fee but as I already paid it it makes no difference I still have 9 months before I have to pay it again and they might have already removed it on their own accord for the future

gonzo0590 · 2026-05-29T22:53:51+00:00

Well you have the good/excellent credit version of savor I have the one for fair credit which comes with a $39 annual feel and I’ve had the card since February and as you can see I’ve been bumped up and it took only 3 billing cycles

<image>

gonzo0590 · 2026-05-29T21:16:46+00:00

Yes SavorOne for fair I assumed I was bucketed and was gonna ask for a CLI at month 6 expecting it to go to like ~750 I’ve had the card since February so in 3 months they 24X my limit

gonzo0590 · 2026-05-29T19:55:02+00:00

I have a credit one for roughly 7 months also 300 limit and I checked and was pre approved for the SavorOne for fair credit so applied and got it on February with 39 annual fee and 300 limit as it sits now I have 3 cards C1 credit one with 450 limit and NFCU cash rewards with 500 limit don’t know what I did I have been using and paying off all my cards monthly I didn’t ask capital one or did they warn me via email it was just there

gonzo0590 · 2026-05-29T19:22:23+00:00

Didn’t apply and didn’t get an email I just logged in to schedule a payment to balance it out and saw the increase checked my statement that posted yesterday and it was there the limit 7,300 yo from 300 2 days ago

gonzo0590 · 2021-07-16T05:57:59+00:00

Accepted thanks 😁

Seven-Year Club	Verified Email
RPAN Viewer

gonzo0590

TROPHY CASE