Avoid a Capital One credit line decrease in 30 sec... - Page 2 - myFICO® Forums

BrutalBodyShots · ‎12-14-2025

@CreditCuriosity yes, there are examples of CLDs that will inevitably happen regardless. Those are not the ones that this post is about. It's about being warned of a potential CLD and thus given the chance to sidestep it.

It probably has to do more with accounts that are lightly to moderately used getting the opt out option, where those that are barely used or unused just see the CLD outright. No doubt, the ability to receive the option in the first place like anything credit related will be profile dependent.

Thomas_Thumb · ‎12-14-2025

My concern is CapOne's Discover card. Any news of account reviews and CLD activity with that product?

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

ElvisCaprice · ‎12-14-2025

@Thomas_Thumb wrote:
My concern is CapOne's Discover card. Any news of account reviews and CLD activity with that product?

To be safe, you could always CLD it to a bare minimum and put a small purchase on it annually. I take it you want to retain the Discover Card for it's age.

BofA:

Citi:

AAdvantage Platinum Select MC (for SUB ONLY)

US Bank:

Shoppers Cash Rewards 6% Walmart, (PC to Cash+)

Chase:

Aven:

RH:

Spend: Less than 10k per year organic (frugal). MS varies, can be more significant.

(July of 26) Scorecard: Clean, Thick, Mature (Always PIF)

HP's: EQ 1/6, 1/12, 7/24 | TU 1/6, 4/12, 8/24 | EX 0/6, 3/12, 10/24

New Accounts: 2/6, 8/12, 11/24

Patient957 · ‎12-14-2025

@Varsity_Lu wrote:
What's funny is that a lot of people feel about BoA and Citi the way to do about Capital One. But since you are deep in with them, you don't seem to notice their shortcomings. .

A huge problem with Citi is I can't trust them. My Strata Elite could get declined at any time for a mysterious reason that even the phone rep can't help with. In my 2 months holding this card, it's happened several times. My Cap 1 and Amex cards are 100% reliable. I can just count on them. So I use my Citi cards for the rewards structure, but when I need something reliable, they stay in the SD. I think many people have had similar recent experiences with Citi.

Patient957 · ‎12-14-2025

@AndySoCal wrote:
I do not have any use for Capital One credit cards. I had QuickSilver in 2018 and closed in 2020. Replaced by State Department FCU started with a 15k limit now 25k. Cap One had 10k still would be that limit today due to spend on the card. Savor the dining part I get better with Redstone. The entertainment part I have no use for. Venture at best is 2% card unless you use Cap One travel I prefer other options for travel cards. I had Cap One Walmart card I closed for the Redstone card. I banked with Cap One and closed the accounts because I could get better rates elsewhere in 2018 or there abouts.

Yes, nobody is saying there aren't other options that could work out better for some people. But when I use my VX to book a hotel in the Cap 1 portal with guaranteed price match and 10x venture miles back, with all Cap 1's transfer partners, I just have to say try that with your credit union cards. Won't happen.

Even other premium travel cards can't compete with this, because their portals are 30% overpriced. Looking at you, Citi.

I'm not a Cap 1 fanboi, but I just call it as I see it. They aren't perfect, but in some use cases their products are just superior. The irrational Cap 1 hate by some folks is, well, just irrational and not based in reality, IMO.

Thomas_Thumb · ‎12-14-2025

@ElvisCaprice wrote:
@Thomas_Thumb wrote:
My concern is CapOne's Discover card. Any news of account reviews and CLD activity with that product?
To be safe, you could always CLD it to a bare minimum and put a small purchase on it annually. I take it you want to retain the Discover Card for it's age.

No, it is my daily driver and a CLD would be detrimental. Average monthly spend is $1k-$2k but can exceed $3k. Current CL on card is $31k.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

CreditCuriosity · ‎12-14-2025

@Thomas_Thumb wrote:
@ElvisCaprice wrote:
@Thomas_Thumb wrote:
My concern is CapOne's Discover card. Any news of account reviews and CLD activity with that product?
To be safe, you could always CLD it to a bare minimum and put a small purchase on it annually. I take it you want to retain the Discover Card for it's age.
No, it is my daily driver and a CLD would be detrimental. Average monthly spend is $1k-$2k but can exceed $3k. Current CL on card is $31k.

I don't think cap1 is rocking the boat yet with the discuss merger although in time all the systems will talk to each other and be integrated. If putting 2-3k a month on and not much exposure with other cap1 cards i wouldn't be worried if I were you personally.

Patient957 · ‎12-14-2025

@Thomas_Thumb wrote:
@ElvisCaprice wrote:
@Thomas_Thumb wrote:
My concern is CapOne's Discover card. Any news of account reviews and CLD activity with that product?
To be safe, you could always CLD it to a bare minimum and put a small purchase on it annually. I take it you want to retain the Discover Card for it's age.
No, it is my daily driver and a CLD would be detrimental. Average monthly spend is $1k-$2k but can exceed $3k. Current CL on card is $31k.

Doesn't sound like a CLD candidate to me. I wouldn't worry about it.

AndySoCal · ‎12-14-2025

@Patient957 I will ask a simple question what is a mile worth in dollars and cents? With Venture X there is a $395 annual fee which means you would have to make that much in miles to break even. Cap 1 offer is 10000 points are worth $100 on Venture X. Here is the card I have with no annual fee. Here is the link below

https://www.ccuky.org/my-life/borrow/everyday-rewards

I do not have the annual fee hurdle to break before I would make money on the card. If Cap One works for you that is fine.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

Varsity_Lu · ‎12-14-2025

@AndySoCal wrote:
@Patient957 I will ask a simple question what is a mile worth in dollars and cents? With Venture X there is a $395 annual fee which means you would have to make that much in miles to break even. Cap 1 offer is 10000 points are worth $100 on Venture X. Here is the card I have with no annual fee. Here is the link below

https://www.ccuky.org/my-life/borrow/everyday-rewards

I do not have the annual fee hurdle to break before I would make money on the card. If Cap One works for you that is fine.

They give you a $300 travel credit each year plus 10,000 points on your card anniversary. So, basically they are paying you $5 a year to use the card. That is, provided you use the credits and points to travel each year. VX is considered one of the best values in premium travel cards.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
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