topic Re: Capital One CC Issue in Credit Cards

Capital One CC Issue

CorpCrMgr1 — Wed, 27 Mar 2024 18:48:10 GMT

I was on the Cap1 site to pay a bill pending from earlier in the week. Paid the total and checked on the other three Cap1 cards. The BJ's Wholesale MC had me at a $500.00 available credit, but with a $16K credit line. None of my other cards reflected a difference between available credit and my CL. Is this something I should be worried about? I'm guessing my CL is about to drop and drop a lot. Anyone else notice this with their card? I'm kind of hoping BJW is leaving Cap1 and this explains everything. If a CL this dramatic is about to happen, then I'm done with BJW!

Re: Capital One CC Issue

redpat — Wed, 27 Mar 2024 18:59:25 GMT

Just give them a ring.....Call.....

Re: Capital One CC Issue

Linnaea — Wed, 27 Mar 2024 20:10:53 GMT

Let us know the outcome...

Re: Capital One CC Issue

Horseshoez — Wed, 27 Mar 2024 20:17:51 GMT

@CorpCrMgr1 wrote:
I was on the Cap1 site to pay a bill pending from earlier in the week. Paid the total and checked on the other three Cap1 cards. The BJ's Wholesale MC had me at a $500.00 available credit, but with a $16K credit line. None of my other cards reflected a difference between available credit and my CL. Is this something I should be worried about? I'm guessing my CL is about to drop and drop a lot. Anyone else notice this with their card? I'm kind of hoping BJW is leaving Cap1 and this explains everything. If a CL this dramatic is about to happen, then I'm done with BJW!

That's a big delta; the only time CapOne did that to me was when they were holding my weekly payment on a new low-limit card; I presume my frequent payments triggered some sort of an AML protocol. Time for a phone call.

Re: Capital One CC Issue

CorpCrMgr1 — Wed, 27 Mar 2024 21:38:53 GMT

@Horseshoez @Linnaea @redpat I was going to take the phone call device and went back on the site to have it in front of me. The CL and the Available Credit were the same. Of course it was one of the few times I didn't take a screen shot.

I did pay the card two days after my last charge.

Re: Capital One CC Issue

CYBERSAM — Wed, 27 Mar 2024 21:51:08 GMT

@CorpCrMgr1 wrote:
@Horseshoez @Linnaea @redpat I was going to take the phone call device and went back on the site to have it in front of me. The CL and the Available Credit were the same. Of course it was one of the few times I didn't take a screen shot.
I did pay the card two days after my last charge.

Maybe is a sign to ask for CLI 😎

Re: Capital One CC Issue

CorpCrMgr1 — Wed, 27 Mar 2024 22:07:03 GMT

@CYBERSAM I actually just did and received the two to three days notice. First CLI I've asked for in a long time. CS Eq = 846, TU = 830, Ex = 841, all FICO 8, AAoA = 10 years, HP = 0, last application and approval 1/23 for BoA = $11K, TCL = $225K+, current usage = 0%. Paid everything in full today. Will charge tonight. Comenity won't clear for two days.