r/CapitalOne_•
Paladine32

15k limit, what happened?

Obviously I love having this, but frankly I'm just confused at C1s algorithm lol. I see many struggling with CLIs or just getting a low limit to begin with.

I got the venture card about a month ago and they immediately gave me 15K. 724 credit score. Literally 20 years old making about 20k a year.

Had one card before paid in full every month(1k limit, secured card), as well as one year-long affirm deal.

Are they just trying to trap me into spending way too much and making a ton off interest? I'm curious why they wouldn't bucket me as so many others, since it just doesn't make sense in my head.

Posted Feb 21, 2026, 5:33 PM UTC

127
Loading comments…