Capital one does not reprot credit limits. If the only thngyou've chaged on the card is 5.00m that will be seen as your credit limit. Even worse if that amount is still on the account your card is maxed out so you take a hit for that. Try charging a higher balance (naybe your regular monthly bills) and usingthe cash to pay the balance back down to five dollars. It will adjust the way the card is seem on your reports.
Some will say the FICO does not consider no limit cards. That is not true. My equifax report states my utilization is above 30% whic is only true if you consider the maxed out cap one card
