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I've had a Capitol One Credit Card for 10 years. 100% on time payments with a credit score of 800 and rarely carry a balance. I retired in February 2020, and last week began planning to travel the US. I checked my credit limit prior to leaving and found they had...
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" So beware if you pay off your credit" LOL...You really believed that your lame practice was actually a good thing to a bank. It Is Not.

Paying off your card on time and being a "loyal" customer means nothing to a bank. You're Not Making Them Money. Credit Card 101 For Dummies-If you Don't use your card or pay it off every month, sooner or later, your limit will be chopped and sent to someone who is actually making them money. If you want to keep your limit, stop paying it off every month as if you're doing something or use it for simple cheap @#$# things such as recurring fees, Netflix, or whatever.

This is the problem with this country, people like you, with access to the internet, don't know basic finance. All of this information is out there for the picking. Oh and BTW, was that "let me speak to your manager" type really rude or just said no to you.

Your fault for not knowing the rules.... Thanks for the warning however, your foolishness will serve to help others in the future..

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#2132797 Review #2132797 is a subjective opinion of poster.
Capital One Credit Card
  • Unhelpful
  • No help at all
  • Horrible phone representative
  • Awful and humiliating
Preferred solution
Restore or Increase Credit Limit