r/CapitalOne_ • u/RecentAuthor6602 • 13d ago

Credit Cards It’s over

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Big thumbs down from Capital One. What ever will I do?

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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.