@Aim_HighBeen there done that. From the RIP below and moved on up. Even when times were bad. Got a auto loan couple yrs before BK. Just joking around. One thread on anything even remotely close to negative about Cap1 (which this one really isnt) pops up once a month and here they come! ^^^^^ I'll bet some wont even admit they had a Cap1 card. 
@AnonymousLeast they were kind enough to send a reminder that hey we still exist in your wallet. We know who loves to slam the door in your face with no explanation and/or reasons. Thanks for posting. Need to pull the Savor out. I'm really close to the reminder note also.
@redpat wrote:Why would any lender reserve for credit limits that are not being used.
That's a valid point, but a whole other discussion. Why do lenders set limits much higher than consumers will use them or allow them to stay open? How many times have we been given $5K, $10K, 25K starting limits that don't drop after not using more than a few hundred or thousand on the cards? It is curious that it's allowed but most lenders seem to allow limits to stay in-place without CLD as long as the consumer profile (or the lender!) isn't in distress. I've only had limits decreased on cards a long time ago when I was carrying some higher balances and got balance-chased. Now I've got even higher limits with low utilization and they leave me alone; go figure. 
Lenders like to give you credit when you don't need it.
On the other hand, I don't feel the least bit guilty about keeping unused limits since I understand how FICO utilization penalties work.
@Anonymous wrote:
@FireMedic1 wrote:
@Kforce wrote:
@OmarGB9 wrote:
@Remedios wrote:So, you gonna use it or let nature take its course?
This. Inquiring minds want to know.
I don't care
@Kforcethis didnt conrtibute in any way to what @Anonymous posted about. FSR please. Tx.
@Kforce made a (good) joke! Nothing non FSR IMO
Well, that's too bad because I was looking forward to a cage match.
Anyway, my QS has been inactive for over two years, limit until December was $6000.00, so maybe Cap One is more likely to send these notices to those with higher limits.
Now it's $9000.00 so maybe 6 more months before they want their fake money back.
@Remedios wrote:
@Anonymous wrote:
@FireMedic1 wrote:
@Kforce wrote:
@OmarGB9 wrote:
@Remedios wrote:So, you gonna use it or let nature take its course?
This. Inquiring minds want to know.
I don't care
@Kforcethis didnt conrtibute in any way to what @Anonymous posted about. FSR please. Tx.
@Kforce made a (good) joke! Nothing non FSR IMO
Well, that's too bad because I was looking forward to a cage match.
Anyway, my QS has been inactive for over two years, limit until December was $6000.00, so maybe Cap One is more likely to send these notices to those with higher limits.
Now it's $9000.00 so maybe 6 more months before they want their fake money back.
I literally LOL'd.
Good to know that sometimes C1 will notify you of inactive accounts. I plan on sock drawering my QS next month.
