That's a really intersting article about Capital One you linked there. Anyone starting out or starting over should read it and thiink about it.
I can't find the article but I read it the other day:
Sub prime lenders actually performed better in recovering from the last recession, due to the fact that their clients are usually always in a state of recession.
They don't have much of a reason to pull in their lines, since their risk levels haven't increased as much, compared to major/prime lenders. Also, those prime lenders give out much higher limits, so in past financial crisis, those higher limits posed much higher risks if defaulted on.
Here's an article about Capital One's sub-prime practices, they make a lot from many borrowers: https://newrepublic.com/article/155212/worked-capital-one-five-years-justified-piling-debt-poor-cust...
Forgot to quote it.
I would just pay in full.
But honestly with the limits being on the low end I wouldn't worry too much about them decreasing them.
And this is exactly what a pandemic is 😕