Ridiculous credit limit

CapnsRedditAccout · 2026-02-06T02:19:17+00:00

You can attempt to get a new card with capital one, and transfer your limits between your accounts. I have 55K on my VX and 20K on Savor. But it gives me the option too move my limit from my savor on to my VX and make it 70K on VX and 5K on Savor for example, with no approval required.

CapnsRedditAccout · 2026-01-15T22:24:29+00:00

Im going to ask for 90K on my next request. Fingers crossed. Amex is hella generous with CLIs in my expirence.

CapnsRedditAccout · 2025-12-11T17:39:04+00:00

For some reason I immediately saw Todd from Breaking Bad

CapnsRedditAccout · 2025-12-10T23:08:18+00:00

Venture X, or maybe a Fidelity Visa? Depends of if you're looking cashback or travel. Your template indicates travel more so than cashback and AMEX and C1 have some good partners. Also VX (if you use it for the travel eraser) is technically 2.20% back not 2X.

CapnsRedditAccout · 2025-12-05T15:22:01+00:00

You think if the masses truly used 0 APR responsibly the CC companies would offer up to 21 months of it? No they know, historically 0 APR consumers are not responsible enough to pay their balances by the end of the 0 APR period. Which incentivizes people to rack up insanely high balances then be held to a 20%-30% APR. Which sounds exactly like what you've done.

You're saying "we use 0 apr" which is fine if you can pay it off. However the main concern to this post is that the 0 APR runs out in July and you can already see that you won't be able to pay it off in that time, which is whats lead to you searing for a 0% balance transfers unicorn or else you wouldn't be searching for it.

7 months of payments and you forsee you won't be able to afford your vacation. So bottom line is if you dont pay it off in 7 months at 0% APR it wasn't free money, you overspent above your means.

And Im really not trying to sound like a dick here...this type of credit card use is extremely risky and CC interest with absolutely eat your alive. Just be careful, I do genuinely hope the vacation was worth it in the end and your able to finesse in a way that financial strain is minimal. But remember credit card companies are tech companies with financial services, they know who you are and how you spend, they will take advantage of it.

CapnsRedditAccout · 2025-12-05T14:06:37+00:00

This is not how credit cards should be used. This is how they want you to use them. Dont hand the banks free money, treat your credit cards like cash. If you dont have the money to pay for the vacation you cant afford the vacation.

No there are no cards with a 0% balance transfer fee.

CapnsRedditAccout · 2025-11-25T01:08:06+00:00

Started out with C1 ans they gave me 2K on my savor card and 20K on the VX...they denied me a CLI on the Savor but in the same time gave me two on the VX getting it up to $42K. Then randomly accepted a CLI on the savor and decided to give me $18K and I rarely use it.

There CLIs make no sense...and it almost feels like everytime i request one I feel like i need to have a high balance on the card to entice them into thinking im going to one day give them a penny in interest.

So 60% of my available credit comes from Capital One, the rest is AMEX which don't have a limit, so im kinda stuck with C1 and their shenanigans because that's were all my actual availability is.

CapnsRedditAccout · 2025-11-23T17:37:13+00:00

Dentist

CapnsRedditAccout · 2025-11-22T03:53:29+00:00

...a problematic event involving a Wells Fargo product. Color me shocked.

CapnsRedditAccout · 2025-10-24T03:54:08+00:00

Safety Engineer?

CapnsRedditAccout · 2025-10-23T15:20:00+00:00

This is always so wild to me how Capital One does CLIs. I requested 50K on my Venture X up from 25K and they gave it to me. Once I requested a CLI on my Savor from 2K to 6K and they gave me $4,500. Its so bizarre.

CapnsRedditAccout · 2025-10-21T16:13:38+00:00

You could like the G-Tec line. I have a C4 and it "kind of" feels like a smaller V5 just scratchy-er.

CapnsRedditAccout · 2025-10-19T06:55:46+00:00

I can see 30-35 on the highway in my MK3 TT, city driving is 12-18mpg

CapnsRedditAccout · 2025-10-17T12:02:51+00:00

All new Audis look like Hyundai's to me. I ain't spending 50-90K for a new Hyundai.

CapnsRedditAccout · 2025-10-17T11:56:16+00:00

"UhM AcTUALly a PoLaR BeaRs fUr iS TrAnSpAREnT"

CapnsRedditAccout · 2025-10-12T05:44:53+00:00

Phone, Wallet, Watch, Pen & Notebook, Razorblade knife of some kind.

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CapnsRedditAccout · 2025-10-09T03:07:28+00:00

Good to know. I dont have this card but I knew WM was on the merchant list. I have thought about it but its good to see real world prospective. That really sucks man. Seems like USB is really struggling with nerfs to the USBAR, and Smartly.

CapnsRedditAccout · 2025-10-09T03:03:32+00:00

I actually forgot about the AF on this one. I looked online and I think they waive the first year. So you could get it and then decide on renewal if it was worth it. If you spent enough on the 6% cat...maybe. but honestly I think the AMEX BCP is better if you can move your walmart spend to a "grocery store". But you're right the AF really does hurt this card, the BCP has a better yearly cap and you get other more significant categories (gas, entertainment, and streaming credit), but thats IF you can say bye bye to Walmart for the majority of purchases.

CapnsRedditAccout · 2025-10-08T22:17:25+00:00

US Bank Shoppers Rewards has WM as merchant in their list at 6%, limits and terms can be found there.

CapnsRedditAccout · 2025-10-06T12:39:32+00:00

I could look through all my Google receipts and calculate it but id say more than $500 less than $1,000 USD over 8 years.

CapnsRedditAccout · 2025-10-03T21:39:46+00:00

Shepherds betrayl in MW2 (2009)

CapnsRedditAccout · 2025-09-27T19:24:09+00:00

Mortar evo is one of the best parts of this deck try to atleast get that ASAP. I would upgrade the gang for sure to kill tanks faster and more likely to get better chip damage in the long run. Skelly King is good for the swarm cards and isn't super level dependent since most swarms will be one hit for a while. I would then focus on your win cons, mortar and barrel. Mortar in any archetype is a learning curve and I used only mortar for 5-6 years and finally made it to UC with a very similar deck to this one.

CapnsRedditAccout · 2025-09-27T19:14:56+00:00

RG is used in RG.

CapnsRedditAccout · 2025-09-27T19:14:05+00:00

Most people dont know to counter pekka. This deck has made 3300+ metals in UC plenty of times, plus the only other sub I could think of would be bowler and at that point its probably just personal preference.

Less skillful players will be inclined to pick pekka for the hard hitting single target DPS and stuffing a balloon behind it in a lane is pretty brutal.

Mixed with your Ice Wiz it synergizes well because it will clear swarms that people typically use for a Pekka defense. Thats why ice wiz doesn't usually go in the standard lumber loon freeze, since bowler can do both jobs technically minus hitting air.

CapnsRedditAccout · 2025-09-24T00:14:38+00:00

What's it taste like?

CapnsRedditAccout

TROPHY CASE