 Help - A collection agency is trying to strong arm me!? |
| I've been trying to improve my credit, but with lots of old bills and living paycheck to paycheck, I have a ways to go and it's going to take some time. An old Visa account of mine was ... |
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 Would open up a new line of credit, i.e. credit card, loan, etc. hurt my credit score? |
| My current credit score is mid-500. We are planning to purchase our first home in the near future.... |
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 Is it bad to sign up for credit cards just to get rewards points? |
| I sign up for 5-10 credit cards a year solely based on the fact that they'll give me $50-$100 in rewards points for using it once. I pay my balance in full every month. Is it hurting my credit ... |
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 Bankruptcy? |
| i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be ... |
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 If i get a £6,000 loan out NOW will it affect me getting a mortgage in 18 months? |
| I may have to get a loan out but i will be able to apply for a mortgage on the keyworkers scheme in 18 months. I was taking out the loan to pay off some bills abroad. I only have one credit card with ... |
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 Credit score issue? |
| I need to buy a car ASAP and im scared my interest rate could be high b/c i have an unpaid charge from years ago due to a bill never arriving (i was living in someones home and they said they never ... |
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 Have you ever maxed out your credit card? |
| If so, how long did it take you to pay it off ?... |
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 I want to get a bunch of credit cards, which ones? |
| i want to apply and get like 10 credit cards, what are some of the best places to get them?... |
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 Where do I cash this check at? |
| I was wrote a check from someone who lives in Vermont & I live in Oklahoma so we don't have that bank down here. Can I cash the check at any bank or what?... |
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 Will paying my credit card in advance not improve my credit rating? |
| I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm ... |
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 Why do credit collectors have to be rude? |
When I answer the phone and they are rude, I just write it off and refuse to pay. It seems if I could have paid on time I would have - however once they are rude, I am basically done.
I ... |
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 Whats the fastest and guarenteed way to get a loan? with bad credit....? |
| i went to court the other day and they said i had to pay some tickets off within 2 months. the total i have to pay is about 4000.00 dollars. is there somewhere i can go and get a laon? i tried my ... |
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 Does too many credit checks affect your credit scoring? |
| I've had a few credit checks done recently when shopping for loans and stuff - can that affect your overall credit scoring - cos other than that my history is near on perfect so i don't ... |
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| Why do people struggle financially after christmas...is it because they got everything on credit for xmas? |
I'm confused here..all my friends are saying they are so hard up financially now christmas is over.
They got everything on credit for christmas is that why?
I started buying in F... |
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 UK please: what is a good credit card to apply for? |
Additional Details
Lol thanks - I'm aware of the current financial situation but I got one recently - no troubles- and need (not 'want') another for my own personally ... |
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 Need a small loan 1,000 $? but under 18 ? |
| I need a loan of about 1,000$ dollars to buy a new camera im underage with no credit cards but my parents own some so could i get a loan through them i could only pay about 50$ a month where could i ... |
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Brittany D | I've had a Capital One card for a Year,When will they raise my limit? |
Hi..I've had my credit card for a little over a year now,And i have a limit of 500..it was 300 when i first got it..and a couple months latter they raised it to 500.But that has been about 8 months ago!I asked them to for a credit limit increase and they said that they look at the account periodically and see if I qualify!I have never been late,and i've always paid at least 75.00 a month on it!Am i doing something wrong to where there not rasing my limit?My mom and boyfriend have the same card and they have been having it for a couple years now and there limit is the same!Its weird because there other credit cards have a WAY higher limit!Is capital one just hard to get an increase?Thanks Alot for your time! |
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Sam
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It sounds as though you might have little credit history or a low credit score. with the economy the way it is, lenders are not willing to bear as much risk as they once were.
I'm from Canada and when I moved to the U.S,, I was a bad risk simply because my U.S. credit file was completely empty... no credit history equals the same treatment as those with bad credit. Within three years I was turning the credit card companies away. These things take time. Try getting a mixed card i.e. Macy's Visa or circuit City Visa. you earn points towards gift certificated in those stores and the credit seems to increase faster on those cards with good behaviour. |
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Anjell
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It's on a case by case, person by person situation. Capital One does auto increases once a card has been in good payment history for 3-6 months. That's when you went from $300 to $500. If it's been 8 months they don't necessarily owe it to you do increase it right now. Usually it's not raised again until the account is a year old. They can review as little or as often as they please.
You may want to start paying off the full balance and not a fixed amount of $75. Show that you can manage paying what you owe and not just a portion of it. |
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Megz
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I would think they should raise it. I got my first credit card last August with Chase. They have increased it several times. I started out at $500 and now have a limit of $3000 and it has been less than a yr. So, I would definitely ask, it won't hurt your credit or anything to ask for an increase. Sometimes you can even do it right online without having to call. |
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SlimMick
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Probably never....I have excellent credit and my CapOne limit has been frozen at $1,600 for over five years. CapOne has a favorite trick of not giving you credit line increases but rather giving you more low-limit cards....that way, if you miss payments or go over the limits, CapitalOne will get multiple fees from you instead of just one.... |
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jas
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well i typically pay my entire balance so that may make a differencewhen it comes to ur limit or maybe have u missed a payment on anything else recently because im sure they look at ur whole credit report when deciding if ur eligable for a raise in limits |
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delmoki
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I don't have a definitive answer for you, but I do have to say that Capital One has been the one card that has kept my limit very low and is very reluctant to ever raise it. My guess is that Capital One has stricter credit limit policies than other cards. |
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Steve W
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request it again. if they say no...tell them you are going to accept a balance transfer offer from another creditor who has offered you a higher limit. in this day and age, creditors want people who carry a balance, but always pay their bills on time. |
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danstone65
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Need more info: are you working? have you been making headway on your balance?
If both answers are yes and you're not credit impaired, I suggest going to another institution. First try a local bank where you have your checking account, then try a credit union if you're a member.
Capital One is not well-rated on their customer service. |
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chuckles951
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Try changing to a Washington Mutual card. They have raised my limit from $1,000 when I first got it to $12000 over the next five years, without even asking. Mind you, my FICO is just under 800 and I have never gone over 40% of my limit. |
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src50
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They look at your TOTAL credit report, not just that card alone. |
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