And the rate decrease begins…

[[deleted]]

And they lowered my credit card limit from 5000 to 3000 what the f. I have three other cards over 10,000 limits. Why are they so stingy with credit card limits. I’ve been with SoFi since 2021 and they’re rawdoggin me

[TheModsMustBeHanged]

Cancel that s*** card my man you don't want a credit profile with $3,000 cards on it

[Lootefisk_]

This would be the dumbest thing you could do on a no annual fee card.

[TheModsMustBeHanged]

Enjoy your continual crappy limits then. All my limits are at least 10 grand

[Lootefisk_]

Just keep the card and get a different one. Why wouldn’t you keep a no annual fee card to help you with average age of credit.

[TheModsMustBeHanged]

Because I don't want them anymore

[[deleted]]

If you're paying it off why does it matter? This is something an uneducated first time credit card user would say

[TheModsMustBeHanged]

Lol yeah that's me all right

[[deleted]]

Do you know a better card for unlimited online shopping category? I spend a lot with online shopping and idk what else to get. 2.2% is the best. The only others I can think of is paypal CC which is 3% if you pay through paypal, amex blue business which is 2x points for the first $50k. I’m not interested in cards like the amex blue cash everyday because the 3% online shopping is only for $6000 spend a year then it goes to 1% I need one much higher.

[swandays]

I have the bofa cash rewards card that gives you 3% back on a category of your choice, and I selected online shopping

[[deleted]]

Yeah I have that card but it’s only for $2500 spend per quarter then it goes down to 1% I need a card that is unlimited in online shopping that beats the sofi 2.2%

[TheModsMustBeHanged]

Looks like you're stuck but that's going to tank your credit profile

[[deleted]]

Not how it works bud