I'm in for a Capital One CLD very soon

[Remedios]

---

@12njoy wrote:

---

@Remedios wrote:

---

@12njoy wrote:

@TryItAgain I indeed feel like a luck dawg.  They could have been like zap which seems to be customary these days, but they sent a shot over my bow.  I gotta look at Discover ($47,500), Key Bank ($113,500), Huntington Bank ($77,800) and FNBO ($163,500) because these are all my big lenders with Capital One.  They only see the occassional dinner every other month.  

---

If you have a BT offer available on your Disco and you don't mind the fee, you could do a small BT, that will keep them happy. 

I'm really not sure how CLD happy they happen to be, mine has seen very little use in the past two years, limit is not as high as yours ($25,000) but so far  they left it alone.  

---

Wonderful, a voice of reason.  Thank you.  Unfortunately I don't have a BT on the card.  That was my initial thought.   I had them in the past but never used them.  I am just running th through regular bills through card.  If that's not enough then it'll be what it is.  Thanks for your useful thoughts, much appreciated 

---

I've experienced that with Discover, when I don't use card, they disappear 🤷‍♀️ 

Another option, they will probably give you 0% promo for 12 months if you ask, you don't have to call, chat is fine.

Park some charges and pay them during 0% promo. 

[12njoy]

@Remedios 

Now that's an excellent idea.  Didn't even think of that one.  Will do that right now.

[pizza1]

ooohhh, @12njoy. Whew! Glad you opted out of the review, and started putting a. little more spend on it. Ive been holding my breath on my card since 2016!! LOL. Ive somehow kept my CL of $48K on my Venture since my account combo in 2016. Its also is my #1 CC I use for everything 90% of the time. I put $2-4K a month on it, every month.

I also have kept my CL of $49.3K on the PB Visa they took over as well. (sweating bullets on this one). So between the two cards, my total CL is $97.3K!

[12njoy]

@pizza1 

Thanks for the information.  It's great when people contribute actual helpful information instead of thinking people should do what someone else wants them to do.  You should be good running that much threw your card.  Why would I give up a 50k card with only a $59 annual fee?  Now that makes zero sense.  

[pizza1]

---

@12njoy wrote:

@pizza1 

Thanks for the information.  It's great when people contribute actual helpful information instead of thinking people should do what someone else wants them to do.  You should be good running that much threw your card.  Why would I give up a 50k card with only a $59 annual fee?  Now that makes zero sense.  

---

Agreed!! $59 AF is pocket change! I just think of it as once a year I treat my CC to dinner, LOLOL!!  You do whats best for you and your profile/personal choice. Everyone always has an opinion on what they think you should do. I think you should do whatever you need to do to keep it! 

[redpat]

---

@12njoy wrote:

---

@redpat wrote:

---

@12njoy wrote:

---

@redpat wrote:

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

Why won't you let them cut the limit or just close the card?

---

I remember you.  I'll sum it up, personal choice.  While this may not be your choice in this situation, we are all different in what we are doing with our credit.  No one size fits all.

---

Lol, haven't been around for along time.  I guess old dogs can't learn new tricks.

---

That trick is credit 101, I'm past that.  Do what is best for you is the name of the game.  My game, my decision.

---

Are you sure about getting past 101.  It just looks like a rookie mistake to pay interest and think they won't CLD you.  You seem to have a hard time when someone asks you tough questions about your desions.  

You by all means should know that lines get decreased for non use.  

[FinStar]

Folks, let's keep this thread FSR.

There will be no gaslighting here, unless someone would like a time-out. Do I need to provide a TOS/FSR refresher?

[NRB525]

---

@redpat wrote:

---

@12njoy wrote:

---

@redpat wrote:

---

@12njoy wrote:

---

@redpat wrote:

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

Why won't you let them cut the limit or just close the card?

---

I remember you.  I'll sum it up, personal choice.  While this may not be your choice in this situation, we are all different in what we are doing with our credit.  No one size fits all.

---

Lol, haven't been around for along time.  I guess old dogs can't learn new tricks.

---

That trick is credit 101, I'm past that.  Do what is best for you is the name of the game.  My game, my decision.

---

Are you sure about getting past 101.  It just looks like a rookie mistake to pay interest and think they won't CLD you.  You seem to have a hard time when someone asks you tough questions about your desions.  

You by all means should know that lines get decreased for non use.  

---

No one can predict when or even if AA will take place. So if the OP choice is to put spend on the card and take other steps to try to keep the line, your opinion isn't a definite prediction of how the future will unfold.  

There is only one absolute in credit: Always pay at least the minimum payment on time. Everything else about credit is just a choice about how one wants to use credit.  

[12njoy]

@NRB525 @FinStar @Remedios 

Thank you.  

[firefox100]

I agree with you do what you can to keep thoes high credit limits with in reason. I have 19K walmart mastercard and only spend about 100 dollars every couple of months I hope Cap one does not do any thing to my cl and also I have 29K limit with discover and I have 15 dollar  charge to the Discover card every month nothing has happen yet. I also love high limits have 254.90K limit with les then 1K balance again each to ther own.