@Anonymous wrote:
Lol...I used to drink....so im down to three.....(4..maybe 5)
Back in december cap one shut down all 4 of my cards....over 30K in credit. Always PIF...never late...right before xmas....I was devastated....literally. Through the love on this board I was able to come to the realization that we cannot live as slaves to the creditors,,,all we can do is handle our responsibilities accordingly...pay the bill..do whats right..etc...
credit is important....but it isnt family....its not life or death.....and its not love
Gregg
I think your story is important because there's a wide misconception that Capital One will never do AA, which is just untrue. Are they less prone to it than some other lenders, at least anecdotally? Sure. But the only "real" way to avoid AA is to avoid behavior that can cause it, regardless of lender.
In this particular thread it seems OP was just a victim of Comenity tightening things up vs anything specific they did, but who knows? At least OP doesn't seem too upset over it.
You're right though. Ultimately, it's not life or death, and most of us have more credit than we need and/or cards we barely use, so if it happens, it happens. Nothing one can do about it except learn and move forward. I do think your point about living as a slave to a creditor is valid too. I see too many people posting "will Barclay's like me if I do this? Does Discover love this? I swiped Capital One to give them some love because I want a CLI!"....ultimately, it's business and the creditors really couldn't care less about you as a person so why go out of your way to "please" them or their algorithims? Live your life and pay your bills. The rest will fall into place. No need to stress about "pleasing Barclay's" etc. If they don't like you with your organic spending habits then move on.
Gardening until September 2025
Comenity and Barclays for me as well!
