Has anyone had issues refinancing a car. We have a 2025 trax, 25,000 miles. We are absolutely getting hammered in interest at 16.5%. Would really like to try and refinance it but credit still isn’t the best. Please give honest advice/opinions.
Good morning people,
its so fresh to wake up and see this score. I finally got a consolidated loan yesterday and I paid off 2 of my cards to bring them to 29%. they have not reflected yet but will reflect by June 8th. I am excited to see it will probably bring me over 700. Never in my life I want to have debt again. Phew.
I had debt of 16000 I paid off slow chunks of it to bring it over to 640 credit score and then applied for a personal loan.
for anyone else. if you are in debt like me with a loan shark at 36% apr pleaseee bring your credit score to 640 and then apply for a consolidated loan a.k.a personal loan.
So my husband has a vehicle and I make all the payments. I have an auto payment for my bank to send to this bank. I didn’t notice that a payment I sent in February was returned due to insufficient funds. Went on paying like normal. Well yesterday a tow company came and got the vehicle for repossession.
We can pay to get it back but I’m pretty irritated with the situation. No repossession notice was sent. They sent a bill on 5-12 . I made a payment on 5-15, the normal payment not paying attention to the past due. The bill has a due date of 5-30-26, and again no notice of repo on this bill.
When he called this morning and stated the above they said they tried calling and he didn’t answer so they figured he wasn’t committing to paying. So they put the repo out on it. Which is baffling given we made all the other payments.
Anyhow what is the best course of action here? The late payment was $300 and now a $600 fee for the repo. We tried to argue that fee should be lowered but they aren’t budging . Anything we can do?
Experian 570
Equifax 626
TransUnion 634
So I’ve been stuck at a $300 limit on my Capital One Platinum card since 2021. I pay my statement balance off in full every single month and have been doing so consistently for 6 months straight. Despite that my utilization reports high every month because $300 is just too low of a limit for my actual spending needs.
My statement date is the 19th of every month. This cycle I had actually gone over my limit to $338. I paid it back down to 98% and let it post on the statement on the 19th. Then on May 20th before 8pm I paid the full $294.77 balance to zero.
Capital One processed the payment at 2am. I checked the app and it showed $0 balance and $300 available. I immediately requested a CLI and got approved for $100 bringing me to $400 total.
Got denied back in April for one reason only — balance too high. This time I fixed that first before requesting.
What I did differently:
∙ Waited for statement to close first
∙ Paid full balance to exactly $0 same day
∙ Requested CLI immediately when app showed zero
∙ Asked for $2,500 maximum desired limit
∙ Got approved for $100 increase instantly
Key things I learned:
Capital One says you can request a CLI anytime — there is no mandatory waiting period after a denial. Their FAQ literally states “you may request a credit line increase anytime you like.”
The CLI request does NOT impact your credit score — it’s a soft pull. Zero risk in trying.
Paying to zero internally matters more than waiting for the bureau to update. Capital One sees your real time balance not just what’s reported to the bureaus.
My goal is to get to at least $1,000. I know $400 is just the start but every increase helps bring my utilization down and builds momentum toward better credit products. My plan is to request every 61 days while keeping my balance low before each request.
For anyone else trying to get a CLI on Capital One Platinum — tips that helped me:
∙ Pay your statement balance in full every month consistently
∙ Don’t request while your balance is high — pay to zero first
∙ Request the same day it hits zero don’t wait
∙ Ask for more than you expect to get on the maximum desired line
∙ No hard pull so there is zero risk in trying
∙ Be patient and persistent — I’m requesting every 61 days going forward
I’m aware the Platinum card is a starter rebuilder card and CLIs can be slow. Anyone else been through this journey with Capital One Platinum? How long did it take you to get to $1,000? Any tips to get there faster? All advice appreciated.
I recently got my military star CC (march) before I left for deployment and to my surprise, they increased my limit to $3,500. I had a $2,500 (tbh I wasn’t asking for much or expected much since my time) but hey 🫶🏼😂 I confirmed it on the app btw
I don’t apply to any cards, but I have checked “pre approval“ for discover , and to raise my credit limit on capital one. My spending is “high” but my card limit is only $300. Its been maybe 3 years since I opened the account and they have not raised it. I had another card at a bank that I closed a few years ago after paying it off because I did not like the bank ( I know now I could have just kept it open) that was $500 limit. My credit score is around 650 I think , I make 110k yearly, I don’t have missed payments or anything negative just a “high” balance on the one card and one closed card. I know they don’t like these things but the amount I make has increased doubly since I got a new job and I just feel like I could have a higher limit than $300 ..?
This is a list of all the bad debt listed on my credit. Three are missing from my report: fortiva cc, fortiva retail, and barclays (old navy). Should i try to repair my credit or just file for bankruptcy?
Made dumb mistakes about a decade ago. Things finally fell off my reports naturally along with the help of a few early exclusions I did for things that had two months left to give me quite the boost overnight. Bought a house 2 years ago with a 620 credit score.. and now looking forward to refinancing eventually and just everything else good credit can get me. Was a journey, but wow feels good.
I am passively curious why it went down 1 whole point. That card didn’t even consume 1% of my total credit limit. Ideas to why? Perhaps some algo was affected?
I’ve been working on my credit for the past year aggressively. Started at a 510 and got up to 759 by end of 2025 but all of a sudden it stopped and started decreasing little by little. Haven’t missed any payments(the 1 missed payment was from 2023 by accident while being an authorized user on my brother’s cc) and utilization stays low.. I can’t for the life of me figure out why this is happening.
Also have a question on paying off cc’s.. my main cc that I use is with nfcu and the statement date is on the 24th but it says the due date is on the 24th as well. How is that possible? I usually pay it down to where it’s within 1-5% then pay it off 3 days afterwards. Could this be why my credit has stopped growing? Am I even doing this right? I’m not a know it all and I definitely don’t have much experience with handling credit as you can see. I’ve done this increase with my score all within a year and would like to keep learning so I can get more tradelines/funding options for me personally and my trucking business. Any help would be greatly appreciated!
Using a throwaway for obvious reasons:
Looking at a Model Y Premium AWD and want to take advantage of the 0.99% APR promo. Wanted to get some real-world input before I bite the bullet.
Here's my situation:
- FICO 691 (via Capital One app) on the way up, started at 590 in September 2025
- One Chase charge-off, paid in full 😞
- Current auto lease, ~2.5 years in with a clean payment history 😄
- Planning to put down $10–15K
- Looking at 36 months
I know the promo rate is usually reserved for top-tier credit, but I'm wondering if the down payment and clean lease history help offset the charge-off. Has anyone gotten approved at or near that rate with a similar profile? Did Tesla Financial or a third-party lender end up being the better route?
Also — is there any point in requesting a manual review if I get declined or bumped to a higher tier? Has anyone had success with that, or does Tesla's financing not really work that way?
Any insight appreciated — especially from people who've been through the financing process recently.
I have maintained an Exceptional rating for at least a year. Yesterday, after I realized I owed Chase (not my primary card) I made a payment, and was assessed a $28 late fee. This morning, my credit rating plummeted as seen in Experian. Needless to say, I cancelled my Chase card.
hey guys, i wanted to get some opinions on whether i’d be able to get approved for an apartment. my girlfriend (21f) and i (20f) would be applying together, and together we make a little over $5,500 each month.
my credit is kind of mixed right now. i’ve never missed a credit card payment, but last year i went through a rough financial period and had to rely heavily on my credit cards for bills and stuff, so most of them are currently close to maxed out. i’ve been paying them down and my score has already improved from around 526 a few months ago.
i do have 2 late affirm payments and, a klarna account that was sent to collections around february, but so far it hasn’t shown up on my credit reports.
my credit age is around 2.5 years and i have 3 credit cards total with a credit limit of $5600. my girlfriend is in a much better position credit-wise, which i’m hoping helps.
based on this, do you think have a chance at getting approved? our lease ends in august so we’re planning to start applying by next month. we’re also looking at apartment agencies, so no private landlords. also if any one has any tips on how i could improve my credit score, that would be greatly appreciated!! my highest was 750 exactly a year ago and i miss it dearly 😭
FICO has launched the new UltraFICO Score, and it goes way beyond your traditional credit report. Instead of only looking at debt and payment history, the system can analyze your actual bank account activity through Plaid, including deposits, spending habits, and balance stability. Supporters say it could help thin-file borrowers and younger people get approved more easily, but critics will probably see it as another step toward financial surveillance becoming normalized.
Just wanted to share my story so others are aware of this.
About 2 years ago i got solar panels where they sweetened the deal by offering me 0 payments for 2 years deal from credit human. I mentally made a note to pay off by May 2026. I did go into my online acct and paid 15K out of 22K and then was about to schedule the rest very soon and totally forgot about it for a month.
Again in my brain i was thinking i had about a month to do this, worst case i will pay interest in the remaining amount like a typical loan or credit card.
Guess what - have no idea on this type of deal and never done this kind of deal before and hardly opened the paper statements they sent once a month.
Last week when I logged in to pay off the remaining amount, to my surprise my outstanding amount showed 14K~ long story short, 22-15+7.5 (deferred interest for last 24 months) = 14.5K
I called and requested an explanation, the folks over there were nice and explained the whole thing and said my payment of 15K was late by a week or else I would have been looking at paying much less interest and I pleaded for days on can they at least waive interest on that.
After several back and forths and speaking to manager personally couple times, the Take it or Leave it deal was - 25% reduction of interest and I still pay the rest.
I requested multiple times on how I am a good customer and no default or bad credit history for 20 years and can they consider my 15K payment on time and how its confusing deal and all. Nothing worked and every day i delay this, i am paying interest.
again take it or leave it.
STAY AWAY from these kinds of deal structures or WRITE down the pay off date and pay up sooner
Hey credit connoisseurs, I made a post over on r/creditcards asking for advice on recommendations for a new credit card. I got some good feedback, but I seem to have over-prepared my post info so much so that some people told me to come over here and get some advice from yall (including one of your very own mods u/BrutalBodyShots)! One person said "I think you might be trying to pack too many things into a single post"... story of my life.
Anywho, even though this post was written with the intention of getting a credit card recommendation, there is a lot of info that I think will be genuinely helpful. However, the order is probably chaotic. I also spent a ton of time getting this info together, and if I start trying to rewrite it too much, I fear I may spend another hour or two making changes. So, I'm hoping you can give me some grace in that aspect. Although I initially was hoping for the ability to get a higher limit card, I now realize I really need to cut down my debt and improve my credit profile... I'm just not quite sure of the next best step, or order of operations. I'm not currently spending more on my cards than I can handle paying, but you see I'm paying a ton of interest on old PayPal accounts. Seems like it'd be best to find a way to pay those down first?
I have changed a few important details, added some info, and rearranged some things, but I'll say upfront that my number 1 goal is to improve my credit score. My go-to, low-hanging fruit tactic that I thought would be helpful (and tbh give me a dopamine boost) was to increase my overall credit line... after reading through a lot of the megathread info here, I realize, I know way less than I thought I did. Which is wild, because I already thought I knew nothing 🙃
All that said, here's an overview of my stats and my original post with tweaks. I realize getting a new card might not be the next best step. So, I'm open to your wisdom, and I'm looking forward to hearing your advice!
I’m currently trying to rebuild my 620-ish FICO credit with on-time payments and relatively high utilization to improve my chances of CLIs. However, it seems like my credit utilization could be limiting my potential credit score growth. I thought I could lower my utilization and wait for my credit to improve, but seems like that may not be the best move? My more aggressive theory was to increase my overall credit limit AND keep utilization in the current range to continue improving my chances of CLIs. Initial question: I’d like to know if anyone thinks it’s possible to get a new card with high credit line in my situation.
I don’t know what I don’t know. And I don't know what I'm doing.
I’m sure there are many different ways to go about rebuilding my credit that depend on specific circumstances. So I’m curious about a new card as well as alternative routes to rebuild my credit score which is why I answered the template questions and provided additional details that may help you better assess my situation.
Help me, credit savvy strangers of reddit… pls & thx!
Template Answers:
[Note: this is a template on r/creditcards that they request for you to fill out when asking for a credit card recommendation. I've included it here because some of the info is pertinent. However, I also used some of it for the stats overview, so it is partially redundant.]
Oldest account age: 7 years 3 months
Chase 5/24 status: 3/24
Income: $75,000+
Average monthly spend and categories (guesstimates):
Open to Business Cards: Maybe? I don’t know how to answer tbh, I have a sole proprietorship but I’m not actively doing anything with the business.
What's the purpose of your next card?
Other Things of Note:
1. 2023 Context
You’ll see references to 2023 in some of the info below. I’m not sure of my options, and I don’t know enough about how credit works to know if any of this info could aid in disputes, consolidation, etc. If this context can help, I’m open to ideas! If not, just ignore this part. 2022 was a mess: I was laid off, my mom passed away, and my partner was seriously injured all in a 9 month span. I fell way behind in 2023 and tanked my previously good credit score and I’ve been rebuilding since then.
2. TransUnion Info via Creditwise (Capital One app):
3. Payment History Details
Accounts with late payments 60+ days: 5
Months since most recent late payment: 5 months
4. BOA CC Info (BankAmericard Platinum Plus MC)
I believe this particular card is a legacy CC (no AF, no cash back). I maxed it out in 2023, and I’ve been paying it off slowly since then. It currently has a balance of around ~$850. I haven’t asked for a credit line increase and I’m not sure what to do with this card other than pay it off (change, upgrade, ask for an increase, etc.). I assume closing it may negatively impact my credit score because it’s my oldest CC currently active.
I’ve been hesitant to ask for a CLI with the BOA card for 2 main reasons: 1) because of the account almost being closed in 2023 and 2) because the CLI info page doesn’t specify if they will do a hard or soft check (and a quick Google search says they do a hard check). Additionally, when I review the CLI info, it says “If you have credit card accounts with Bank of America, we may use the available credit on those accounts to approve your request. This could include moving credit from an account with a lower annual percentage rate and/or fee structure to a higher annual rate and/or fee structure without increasing your overall credit limit.” - so I’m not sure what they’ll do if I ask for an increase and I certainly don’t want something with a higher APR or annual fee. Advice for the BOA card is welcome.
5. PayPal Accounts Info
There are 2 closed PP accounts (PP Credit & PP MC) that I’m still paying off from 2023. I’m paying more than the minimum on these (barely), but I’m paying a ton of interest. Here are some additional details:
PP MC account
PP Credit account
I feel like there’s an opportunity here to cut the interest way back by paying these off totally. But I have no idea of the best way to go about that. These do not count toward my total active credit limit of $4900, but they do count toward my total amount of debt. I have no idea what the best path forward here is and I’m open to suggestions.
6. BNPL Affirm Accounts
Currently have 3 Affirm BNPL all in good standing. I know these don’t usually factor into credit reports but assumed it worth mentioning.
7. Additional Details
In April, I received a $200 CLI on my savor and $100 CLI on my quicksilver after requesting much larger increases (I didn't yet realize the Verizon issue had impacting my credit score so negatively). I rarely use the cap one platinum so that one hasn’t been increased.
I’m not very credit savvy, but I have been able to improve my credit score at various times over the years. However, I've never had this much lingering debt from closed accounts with large interest amounts. I don't have enough capital to pay off the PP accounts, so, I need a creative solution. Plues, the Verizon thing was a real bummer, and knocked my TU FICO back from 633 in Feb to 601 in March, but it’s slowly improved to 608 in April and 613 since I last checked in May.
Am I shooting myself in the foot by trying to get CLIs rather than just simply allowing my payment history to improve?
Where do you recommend I go from here?
Thanks in advance 🙏
Tl;dr rebuilding 620ish credit and looking for one or more of the following: 1) advice on a new card with a high limit, 2) a reconfiguration alternative (currently wasting money paying big chunks of interest on closed accounts), or 3) a better way to improve my credit (tentative plan: gain CLIs, increase active max credit limit, and get utilization down).
9 years ago my husband was laid off from his job. We had some credit cards and couldn’t afford to pay them. We did InCharge Debt Solutions and were making payments for about a year. We managed to pay off quite a few cards but I had one on there that was just too large. He got a new job and it was less pay and we just couldn’t manage it. InCharge was of no help so we had to stop paying. This was over 7 years ago now.
We’re in a little bit better of a situation now but still rebuilding. For some reason they let my husband have a capital one card but for me they will not. They always say I have delinquent accounts. When I finally got sick of this answer I looked into it. I don’t have any. However, when I asked for proof of one that one person brought up they sent me the last statement. It’s a synchrony bank Walmart card that was closed in early 2019. It’s not showing on any of my credit reports and when I asked capital one about it I went back and forth with nonsense canned answers and finally asked for a supervisor. He was incredibly smug and rude and pretty much just said they acquired the account in 2019. According to my research they started doing this in October of 2019. I also read it wasn’t all of the accounts.
So I’m not sure when it was actually acquired by them but I was never notified. It was a synchrony account as far as I’ve ever known. It is also no longer on my credit report with synchrony. When I asked if it was charged off and about the statute of limitations being put into place he just told me they didn’t charge it off, which I find hard to believe as it’s over $2,000. He claimed it’s in house and still collectible. I’m not super familiar with the laws and limitations based on what he’s saying.
I’m trying to get a capital one card to keep rebuilding my credit as I know they are typically one of the easier to get and gave me good credit limits in the past to be able to acquire better cards.
Do I just give up? I’m having a hard time figuring out where to go from here as I still don’t really understand how they basically took a closed card debt and claimed it as their own well after I stopped paying on it.
Well I sent a goodwill letter and it worked. I had a 30, 60 and 90 day late payment on an old closed account. About a little over 5.5 years old. I had caught that up and finished the loan term satisfactory. The goodwill letter worked. Marks where removed and my score jumped 30+ points on all 3 bureaus