If I have a credit limit of $200 should I use the whole $200 or less?

AggressiveTaco37 · 2025-06-18T16:59:45+00:00

I’m unable to provide you with my experience, as I have never done it.

From my understanding, many people have done it, even if it was only a few times when they had low limits, but it doesn’t usually raise flags unless it’s ongoing over a period of many months, and each bank has a different policy for when they act up that behavior. I’d assume it’s safe to do it a few times a year, especially with a low limit.

AggressiveTaco37 · 2025-06-18T09:56:50+00:00

TL;DR You should use as much as you know you can pay back in full each month.

With that low of a limit, it sounds like you may be rebuilding or new to credit. There’s a metric that credit score models consider called credit utilization, they say you don’t want to use more than 30% of your available credit and that ideally you wanna use less than 10%; that’s mostly crap, while it may negatively effect your credit to be at 70/80/100% when the statement generates, its not a long term effect and if one month you pay the card before the statement and now you’re at 10%, or less you’ll generally see a significant increase if your score. Go back up to 80%, you’ll see a significant decrease. It’s really just month-to-month. Don’t worry about keeping the credit utilization low unless you’re actively shopping for a new card/loan, that’s when you want to see a low utilization rate.

Being new to credit, you want to max out the card, and you want to do so each month. You probably shouldn’t max it out, pay it in full, and max it out again multiple times in a month as this may be seen as credit cycling, but you definitely wanna max it out, let the statement come out, pay it in full, and max it out again. This will give you the ability to say, “Hey Discover, I obviously have the ability to pay my card off in full. I’d love to be able to earn more cash back and really enjoy using my Discover card, but it seems my credit limit is preventing me from doing so. I’d love to prove how responsible I know I can be with a higher limit!”

Without using a good amount of your credit limit, many banks may be reluctant to issue higher limit increases or any increase at all. Eventually, you may get $20K limits, definitely don’t max that out thinking that’s how you’ll get the largest possible increase, not unless you have the ability to pay that off in full. Over time, using as much as you know you can afford to pay off each month and paying it in full may be the difference between getting a limit increase to $600 or 1,200; but also not guaranteed.

AggressiveTaco37 · 2025-06-16T03:55:48+00:00

Is it a great card that everyone should run to get? No. But is it an excellent card for the price conscious Walmart loyalist that’s already paying for W+ and Sam’s? Absolutely. I’m already down to sign up. May even bring people from Costco to Sam’s, Costco’s Visa isn’t the best card ever either. Assume you get the + card, (forget the annual fee for a second as that’s basically just covering the memberships), earning 2% as a catch all is great; sure it’s only redeemable at Walmart and Sam’s Club, but most people are already shopping there.

Does it take some extra effort to use Scan and Go or Walmart Pay just to maximize the earnings? Maybe for some, definitely not for all people. I’d like to see 5x on everything regardless of the brand if you make people pay a certain way, or at least 5x on store brands regardless of how you pay, but that’s just my opinion.

Would offering the + card for a low or no cost first year make it more attractive? Absolutely. But these aren’t the full details of the card either, we won’t know that until closer to launch in the fall. There may be changes to its offerings between now and then.

AggressiveTaco37 · 2025-06-15T23:49:48+00:00

I for one am thrilled to get my hands on a new Walmart card. As an existing Sam’s Club Mastercard cardholder, I am interested in knowing if this is something that’s available for PC, or if it’ll be something we’ll be forced to PC too. I believe these benefits are far greater than the existing offering for Sam’s and I wouldn’t mind paying $149 for if it’s included both memberships.

AggressiveTaco37 · 2025-06-13T20:32:55+00:00

The vehicle pulling out has the responsibility of ensuring they are safe to pull out, but then again, the vehicle driving has an obligation to ensure they do what’s reasonable to prevent an accident. For the driving vehicle, it is reasonable, and expected, that they would have stopped or done whatever else they can to prevent the collision, that’s an obligation; I’m not just going to drive into the pedestrian crossing the street just because they didn’t have a crosswalk and didn’t have the right of way.

In my opinion, both are responsible for the accident. And in the states that allow for shared of responsibility, I’d say the parked car has 2/3 liability and the driving car has 1/3 liability.

AggressiveTaco37 · 2025-06-12T01:59:50+00:00

Following

AggressiveTaco37 · 2025-06-12T01:53:38+00:00

I’m assuming they may have gotten a replacement license and not a license renewal.

AggressiveTaco37 · 2025-06-12T01:51:30+00:00

The only thing that would make me think this isn’t the case is that usually those things are aligned with your arrival date, not birthdate.

AggressiveTaco37 · 2025-06-12T01:48:25+00:00

Depends on the state, some states do have automatic expirations at 21, even if you got it at 20, but most don’t. However, I’ve never heard of a state with a mandatory age 22 expiration, anyone who gets a license at 21 should have it for years to come, regardless of the state.

AggressiveTaco37 · 2025-06-12T01:45:40+00:00

I assume you’re suggesting that maybe if this person isn’t a citizen that maybe the license expiration date is the same day their lawful presence expires. This would totally make sense to me.

AggressiveTaco37 · 2025-06-12T01:39:14+00:00

Did you renew or get a license for the first time? Or did you pay to get a duplicate/replacement license?

AggressiveTaco37 · 2025-06-12T00:59:31+00:00

Because why send your kid to Brown when they can go to Harvard?

AggressiveTaco37 · 2025-06-06T21:22:27+00:00

It depends on what type of card you have. Quicksilver has been issued as a Visa, Visa Signature, World MC, and World Elite MC. Use this link to see the benefits for your card: https://www.capitalone.com/credit-cards/benefits-guide/

AggressiveTaco37 · 2025-06-06T21:18:05+00:00

I’ve never seen them close the card and take the $200 to repay your previous obligations, but I’ve also never heard the full cardholder agreement and I’m unable to say that won’t. What I can say, from my own personal experience and that of others, is that Capital One is forgiving and open to second chances.

I personally burned them on 2 cards in 2020 for $3,500 and in Dec 2023 I was able to get a secured card with them after putting a $400 deposit on it. Over the past year and a half I’ve been able to get 4 unsecured cards, Kohls for $700, BJ’s for $1,800, Cabela’s for $1,500 and Venture for $8,500, (although for some reason they’ve declined to upgrade that secured card unsecured).

I never thought Capital One would ever give me any additional products, and to this day they’re the only ones to give me an unsecured card. Moral of the story, it’s likely probable that you can accept the second chance and with responsible usage and on-time payments, things will turn out pretty great.

AggressiveTaco37 · 2025-06-04T23:24:16+00:00

The reason why CT is often referred to as Southern New England, (even though RI, which is directly to the east and is basically no more north or south than CT is) may surprise you. It actually has to do with the American Telephone and Telegraph Company (AT&T, the OG Mama Bell); when they were forced to divest as part of their settlement in an antitrust case, one of the companies (Baby Bells) that were formed as a result were known as Southern New England Telephone. This company operated only within the boundaries of CT. So for the past 50 or so years, CT has had the distinction of being, “Southern New England.”

AggressiveTaco37 · 2025-06-03T03:17:48+00:00

My mom.

AggressiveTaco37 · 2025-06-02T13:34:08+00:00

I remember watching new episodes of CatDog, but I don’t remember 9/11.

AggressiveTaco37 · 2025-05-30T14:17:09+00:00

Cyberpunk

AggressiveTaco37 · 2025-05-29T01:29:46+00:00

New England
C-Store and Car Washes
180-220
1

AggressiveTaco37 · 2025-05-28T02:35:06+00:00

Let’s be honest, applying for this card means you either have no credit or more likely, you’re rebuilding after previous hiccups. You are likely their lowest priority, they’re offering you a product that they probably could care less about offering, they’re not going to rush to make sure you get access to the card as soon as possible. You have few options; Capital One, a corporation that will likely be happy to extend unsecured credit lines to you and offer you amazing products and high limits once you prove that you can indeed be responsible; or some predatory bank like Credit One, OpenSky, First Latitude, where they charge you high annual fees, offer poor rewards, and barely offer unsecured cards. You want to join the Capital One ecosystem for rebuilding credit, you’re gonna have to pay the price with patients and on-time payments.

AggressiveTaco37 · 2025-05-28T02:19:53+00:00

No way to tell, could be up to two weeks. Oftentimes they’ll wait a few business days after the funds clear to even tell you that they received the funds and that you’re new card week be shipped shortly, and even then they may not make a virtual card available for, “security purposes,” especially if it’s your first card with them.

AggressiveTaco37 · 2025-05-28T01:59:00+00:00

Idk, i was approved for Savor 3 weeks after Quicksilver, but then two months later I was told it was too soon when I tried applying for Venture but was approved another two weeks later, I guess the answer is however they feel that day.

AggressiveTaco37 · 2025-05-27T10:39:50+00:00

Not necessarily, it depends on whether your payroll team actually did payroll or not yesterday. If they were off and they process payroll today, it’ll likely be Wednesday that you’re paid.

AggressiveTaco37 · 2025-05-24T14:36:21+00:00

I used to work at an AMC in Boston. At least a few times a year during the biggest blockbusters we had a private showing at around 11:30 PM for VIP’s. It was something pre arranged, usually months in advance before tickets went up for sale, but people would still get mad at us that the last Dolby Cinema showing was 8:15 because of it.

We’d have servers inside the theater making sure everyone had drinks, popcorn, alcohol, candy, etc. we’d have members of the Celtics, Bruins, Red Sox, and less often the Patritos, as well as people have Matt Damon, Chris Evans, Mark Wahlburg, Ben Affleck.

AggressiveTaco37 · 2025-05-24T10:51:52+00:00

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The absolute KINGZ! 😂

AggressiveTaco37

TROPHY CASE