cancel
Showing results for 
Search instead for 
Did you mean: 

CAP1 QUESTION

tag
gettnthere
Established Contributor

CAP1 QUESTION

so I was just looking through my credit report and I noticed somethin odd. I have a crap1 card with a 300CL and on my credit report it states that limit, but I just noticed that my high balance on that specific card is $320. **bleep** I'm wondering if that's having a negative effect on my score. I'm pretty sure I've never been over the limit but its there. Its not listed as a negative or potentially negative but still, to me it seems like it might be negative? Anyone have any thoughts on this??


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 1 of 4
3 REPLIES 3
Crashem
Valued Contributor

Re: CAP1 QUESTION

Nah. Fico scoring doesn't even look at high balances in most cases and definitely not in this case.
               LIMITS IN CARD DESCRIPTIONS
Message 2 of 4
Jlu
Established Contributor

Re: CAP1 QUESTION

A few weeks ago my Capital One MC w/ $500 limit went to $900 due to a returned online ACH payment (wrong account number). And my score didn't budge even after they reported a $890 high balance.

 

So no need to worry. 

AMEX BCP $35k | Citi Double Cash $30k | PenFed PlatRewards $25k | Barclaycard $40k | Chase Freedom $25k | BofA Cash Rewards $40K | US Bank Cash+ $4500 | Discover IT $25k | NASA Platinum-Advantage $40k | CapOne Quicksilver $15k | Amazon Card $10k | Ten years on myFICO from 510 to 780 scores
Message 3 of 4
gettnthere
Established Contributor

Re: CAP1 QUESTION

Oh ok lol I was just curious, plus with it being CAPITAL ONE I think everyone knows they don't practice the best business ethics by any means. But I definitely appreciate yalls repliesSmiley Happy


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.