MICHAEL BATTLE, Credit Card Gamer
@mikebattle
The Capital One Quicksilver credit limit is $1,000 to $10,000, depending on your creditworthiness. If you are approved for the Quicksilver card, the absolute minimum credit line you will receive is $1,000. Capital One does not list a maximum credit limit in Quicksilver’s terms and conditions. But it seems to be around $10,000, based on what cardholders report in the forums.
Your credit info and spending power determine not only your credit limit, but also whether you get a Visa Signature card or a Visa Platinum card. If you get approved for a Capital One Quicksilver credit limit of $5,000+, you’ll get the Visa Signature version. If your limit is lower, you’ll get the Platinum Visa. There isn’t much of a difference between the two, but Visa Signature cards provide some additional secondary benefits.
If you want to aim for a higher credit limit, there are a number of areas in which you should focus on improving.
Here are the biggest factors affecting Capital One Quicksilver credit limits:
- Your payment history. If you’ve consistently paid your bills on time, creditors will view you as more trustworthy and will be more likely to extend you higher credit lines.
- Income & assets vs. existing debt. The more money you have available for bill payments, the more comfortable a lender will feel.
- Rent/mortgage payments. If these payments take up too much of your monthly income, you’ll have less to spend on credit cards.
Remember, if you’re approved for the Capital One Quicksilver Credit Card, you’ll receive a credit limit of at least $1,000. You need at least good credit to get approved. And the better your credit is, the higher you can expect your spending limit to be.
Tonya Darris, Member
@Anonymous702
Mine actually started out at a $300 credit limit for the Capital One Quicksilver card while I was in the rebuilding credit phase (almost 600 credit score). Then went to $500 after 5-on time payments and then to $750 after about 12-months. So it really depends on where your credit is. If you have “good credit” then it probably starts at $1000, as they said above. However, if you have no credit, bad credit, or just rebuilding it, then you could start at a lower amount-as I did.
Thomas Friedman, Adrenaline Junkie
@icytom
It's $1000 minimum, so definitely more than just a few hundred bucks.
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Sergiu Costin, Member
@sergiuc_1
My Quicksilver card is at 12k right now. I started off I think at 2.5k 3 years ago and kept applying for client every 6 months or so. It's just a Quicksilver visa and not signature.
kncarson3456, Member
@kncarson3456
I've had a secured capital 1 card for a year and I applied for the rewards card and my starting limit is $300. As you make payments before the due date, you will get increases in your limit. Capital 1 has been a great company to work with.
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