r/CRedit

I'm working on trying to fix my credit which is in the low 600s, primarily because of my credit cards having high balances. My Apple Card had a credit limit of $6000. Over the past week I paid $3000 towards the balance which was nearly maxed out. I was planning to pay the remaining $2900 balance next week so this card would be fully paid off. Today my Apple card credit limit was lowered to $3200. I'm guessing this will just hurt my credit even more now? I'm also worried that I will have this same issue with my other cards, because I am planning to pay my Discover and Chase balances down also this month. Should I continue making large payments, or break them down into smaller payments? Any other recommendations?

hello i’m new here i’m 21 ive been having trouble finding a really good credit card to build my credit score i only have capital one quicksilver but apr is almost 30% i’m asking for help

i have good credit and have since i was 18

So I have two capital one credit cards, one that I had for about a year, and one that I just got last night, the saver card, and they approved me for only $300.

My question is, why did I get approved for so low when just two days before PayPal gave me 1500 and Amazon gave me 2800?

How do I get my capital one limits up?

Hello, in April of this year I had 2 of my capital one cards closed due to returned payments, I paid them all off in full within a month, however on my current credit report both cards are under the “closed accounts” section on my credit report shows both of these cards as closed but still shows a 0 dollar balance next to them. Both say date of account status is April of 2026. Any help would be appreciated

Couple months back after the Cap One/Discover merger, a lot of my accounts that I had payments on auto started declining due to Cap One sending new cards with Discover instead of Mastercard and apparently I missed one which was for a trip I booked, was checking the history of payments and paid around $500~ out of 1.1k, it was sold to Jefferson, I’ve been scrolling on Reddit for a bit and see they often settle for under, and then remove themselves from credit reports. Asking for some advice, what do you think is a realistic settlement, and would it be towards the full $1.1k or the half I didn’t get the chance to pay? And before anyone says anything, yes I should have been more attentive to my credit reports and emails asking for payment before I let it go to collections 😞 You live, you learn 🥲

My car loan is way over due and they tried to repo but I moved states so i guess they cant find me. But I recieved an email saying if I pay 30% they'll consider the debt settled. Has anyone ever gotten this email and followed through with it? Im wondering if it's a legit offer or a phishing scam. I dont want to call Exeter to ask them directly because if its not legit theyll have my new number and hound me relentlessly.