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Off-Topic Discussion
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You can't make this stuff up!
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<blockquote data-quote="ctfjr" data-source="post: 1219957" data-attributes="member: 7762"><p>So my son has been bugging me to get the 'new' 2% cash back credit card that's been advertised. I have a 1-1/2% cash back card now. I finally break down when he emails me the link to an application.</p><p></p><p>Ok it takes all of a couple of minutes & I'm approved. Now there is an issue. Its my understanding that your credit score is affected by the amount of AVAILABLE credit you have. I really don't want to cancel my original card (Capitol One) because I also understand that that can negatively affect your credit rating. So, what to do?</p><p></p><p>Simple, I'll just call Capitol One & ask them to LOWER my credit limit on that card. Imagine my surprise when the service rep tells me I've been DECLINED in LOWERING my credit limit. I'll get a letter in the mail in 7-10 days explaining why I've been declined.</p><p></p><p>You can't make this stuff up!</p></blockquote><p></p>
[QUOTE="ctfjr, post: 1219957, member: 7762"] So my son has been bugging me to get the 'new' 2% cash back credit card that's been advertised. I have a 1-1/2% cash back card now. I finally break down when he emails me the link to an application. Ok it takes all of a couple of minutes & I'm approved. Now there is an issue. Its my understanding that your credit score is affected by the amount of AVAILABLE credit you have. I really don't want to cancel my original card (Capitol One) because I also understand that that can negatively affect your credit rating. So, what to do? Simple, I'll just call Capitol One & ask them to LOWER my credit limit on that card. Imagine my surprise when the service rep tells me I've been DECLINED in LOWERING my credit limit. I'll get a letter in the mail in 7-10 days explaining why I've been declined. You can't make this stuff up! [/QUOTE]
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You can't make this stuff up!
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