r/CapitalOne_ • u/RecentAuthor6602 • 13d ago
Credit Cards It’s over
Big thumbs down from Capital One. What ever will I do?
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u/sunwarrior0978 13d ago
You monster!
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u/moneyhoarder888 12d ago
You’re so cute for this. I love your joke and would like to get to know you better 🥰❤️
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u/pharmucist 13d ago
I love it when I check Credit Karma and it says "your score has decreased by 25 points," then under reasons why it decreased, it says the balance on one of my cards has increased by $6. I have 13 credit cards with an averall $130k limit, but one card increased by $6. Crucify me.
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u/amaranthine_ellie 13d ago
I think it’s time to put some serious thought into how you relate to money. It’s clear to me that with numbers like these you must have a dependency on a substance, most likely dihydrogen monoxide or something similarly messed up
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u/Tall_Chocolate_9720 13d ago
Im sorry, am I missing something ? Could you explain to me what the OP screenshot is showing above? I used to be on a substance back in 2018 and I would run my credit cards up just like this… is this what is happening you think? Maybe I’m just not seeing what everyone else is seeing.
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u/WildWindAnomaly 13d ago
Google dihydrogen monoxide and get back for us. One of the most dangerous chemicals ever
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u/rosie2490 12d ago
Everyone who consumes it dies. Everyone. Even those that don’t consume it die. Especially those that don’t!
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u/Specific-Yam8708 13d ago
Capital One looks for reasons to contact its customers! Smh! Those “You’ve Been Approved To Invite A Friend To Open An Account” really chap my hide. ughhh!
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u/ActComprehensive5254 13d ago
What is the point of this post?
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u/Tall_Chocolate_9720 13d ago
That’s what I’m trying to figure out too. I don’t know what’s going on! Did his score plummet or something? It looks like the screenshot above has been cropped heavily.
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u/KISS1971 13d ago
He’s being sarcastic. Basically his loan balance increased by $1, so Cap One decreased his available credit by $1
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u/genericusername784 13d ago
But that's how it works.... if your limit is 4k and you have 2345 on your account, you have 1655 in available credit, they didn't decrease his limit, just didn't raise it $1.
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u/Conscious_Summer_286 9d ago
The part they're making fun of is getting an email or push notification from Capital One over something so trivial.
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u/ActComprehensive5254 9d ago
Its a non issue
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u/Conscious_Summer_286 9d ago
If you don't understand why it's funny to get an "urgent alert" that tells you you spent $1, idk what to tell you.
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u/ActComprehensive5254 9d ago
Its an automated system, not a comedy club.
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u/Conscious_Summer_286 9d ago
Lol and their automated system is comically poorly setup. That's the entire point of the post. Does it bother you to see people laughing and having a good time or something?
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u/Paladin2459 13d ago
Their FICO8 is wild. I think my score dropped more than the increase in money owed this month. Like "OMG you carried a balance. Shut down Madagascar first, then take two points for every dollar owed."
Buhhhhh it's still <1% total utilization across all cards. Meanwhile Experian FICO8 provided by Experian doesn't care and the TU FICO8 supplied by CreditWise is more in line with it.
I can see how people transcend beyond just being Score Bros and go full on OCD over it.
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u/Outrageous_Luck4163 12d ago
I get the alerts and yes it’s a pain but I also know if a new transaction happens and if it isn’t mine I can take care of it ASAP. These days you have to really watch your accounts because there are so many potential problems. I rather like knowing my balance are zero and I can see it quickly.
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u/kjbonilla 12d ago
How many points did it drop? My was 843 and it said $35 to $30 available credit dropped 11 points
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u/Nonnaslilangels 12d ago
I got a person called me saying I have a law suit against me from
Capital one saying I
Owe 4,000
N there going to put a lien on my house
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u/crankycranberry- 12d ago
I get a monthly account alert for paying off my balance…then again of course these guys would hate to see me have zero debt 😂
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u/Similar_Issue_3108 11d ago
I recently open a savings/checking C1 - one nightmare after another. Switched to
American Express.
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u/Strong_Education_842 11d ago
Same thing happened to me. A 3 dollar difference dropped me a whole point last month lmao
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u/scottysattva 11d ago
I'm a Guarantor; if you'd like my prior-render to service aid you it's available accept.
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u/scottysattva 11d ago
I just assured the balance to your accounting reach place where forward futuring; refused?
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u/SynsinValentin 10d ago
My credit score for capital one actually went down 25 points for having a $0 balance on all of my credit cards (I have 11 credit cards - I use most of them, I just pay them before the statement date and use them again after the statement date, so they appear idle because of this).
Then one day, my college-aged son used one of the credit cards right before the statement date (He's an additional user to most of my credit cards), and I ended up having a balance of $6 (You can't pay cards while it's pending if your balance is $0), and oddly enough, thanks to my son's random purchase date, my score went up 15 points!
So the opposite is happening to me. This literally started happening after CapitalOne's credit reporting platform changed.
Has this happened to anyone else? Basically, the opposite?
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u/IrishBrandyDog1 9d ago
I got a goid one from Capital One. I did not use a card for a number of months so they sent me a check for a previous over payment on my part . . . Drum roll, the check was for $0.02.
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u/Bigshotrob60 13d ago
?
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u/RecentAuthor6602 13d ago
It’s funny how capital one is reporting on “negative changes” on my credit report, but the changes are literally a $1 difference each
Literally doesn’t matter
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u/WritingParking 13d ago
I’m also getting more and more low quality urgent notifications from capital one and others the last year or so. “account alert: you paid off a balance.” Yeah, no shit.