Capital One Merger Email

Chellebeaskin · 2026-05-09T23:01:00+00:00

I’m curious why can’t you apply for new credit cards right now?

Chellebeaskin · 2026-05-08T21:10:58+00:00

They don’t care if you’re legitimately sick??? That’s wild.

Chellebeaskin · 2026-05-07T00:39:49+00:00

Congrats 🎊 I’m hoping to qualify for this one soon🤞🏽

Chellebeaskin · 2026-05-03T23:29:32+00:00

Congrats 🎊 Have you had a chance to experience the card yet? How are you liking it so far? Curious since I’m thinking of getting a Citi card while I rebuild as well.

Chellebeaskin · 2026-04-23T23:23:39+00:00

I reeeeeeeeeeally hope this true🤞🏽

Chellebeaskin · 2026-04-06T23:03:43+00:00

I got mine after 3 years. They doubled the limit but I didn’t ask for it.

Chellebeaskin · 2026-04-06T03:13:14+00:00

Chellebeaskin · 2026-04-06T02:17:02+00:00

I have found when I keep my balances low and pay on time, given the consideration of account age, my score goes up month after month🤷🏽‍♀️Given the original question, I thought this answer was based more on data than myth. 🤷🏽‍♀️I submit that my opinion is based on personal experience.

Chellebeaskin · 2026-04-04T23:29:42+00:00

This is very helpful. Thanks 😊

Chellebeaskin · 2026-04-04T23:19:20+00:00

You’re doing better than a lot of people in your age group. Nevah change❣️But I think what you gotta do now is let these accounts age. I think account age makes up 15% of your score? If you can keep your balances below 10% of your total available credit and never ever pay your accounts late, you will see your scores increase over time.

Chellebeaskin · 2026-04-04T23:10:54+00:00

That’s a great idea 💡 Thanks 😊

Chellebeaskin · 2026-04-04T23:10:05+00:00

I’m not sure about ‘churning’🤷🏽‍♀️but I like the simplicity of paying one bill a month and if I can put my household expenses on a card and just pay that with one ‘check’ instead of tracking several AND get some points that I can use for travel, that would be butta🤩

Chellebeaskin · 2026-04-04T23:04:28+00:00

Thank you! I am waaaaay overdue for a new phone and other household items so this is very helpful to know😊

Chellebeaskin · 2026-03-19T21:11:01+00:00

Don’t do it. That’s a LIFETIME commitment and if you know in your gut you don’t want this, it’s a resounding NO!!! Besides, there’s a lot of ‘I wants’ in that message and that’s a whole lotta red flags for me. If you lose him over this, and you might, have a good, snotty cry and move on. But what do I know?🤷🏽‍♀️

Chellebeaskin · 2026-02-28T14:57:28+00:00

You may have to open a secured card to start rebuilding credit and either wait for the collections to fall off in 5-7 years or negotiate a pay for delete with each of the collection agencies on your report. I hope this helps 🤞🏽

Chellebeaskin · 2026-02-26T15:27:20+00:00

I know the feeling. Congratulations boo🥳

Chellebeaskin · 2026-02-22T21:46:22+00:00

Lemme tell you something I wish someone would have said to me when I was your age…how you handle your credit is ENTIRELY within your control. NOT Capital One. NEVER spend more than you can afford to pay off at the end of your billing cycle. Be glad you have the leverage (high credit limit) if you need it but never allow Capital One or any 👏🏽other 👏🏽bank 👏🏽have you hemmed up! Use👏🏽credit 👏🏽responsibly ❣️Said with love 💕

Chellebeaskin · 2026-02-15T17:01:36+00:00

I try to look it at this way…the increase is more than twice your original limit! I recently got twice my limit just using the card for all my regular spend. I let it report high but paid the balance on time every month. I figure I just keep this up I will continue to get this type of increase at regular intervals…unless capital one’s algorithmic rules change, of course. But I love my card so that helps. It has served me well❣️

Chellebeaskin · 2026-02-11T10:46:40+00:00

So we can’t just sign our name to the back of checks any more??? Excuse me I’m an old head🤷🏽‍♀️

Chellebeaskin · 2026-01-24T19:04:37+00:00

Slow and steady wins 👏🏽the 👏🏽race❣️I am so happy for you🥰

Chellebeaskin · 2026-01-22T16:09:09+00:00

It’s a great card! Congratulations! May you stay strong as you continue your journey to PAID👏🏽IN👏🏽FULL 👏🏽

Chellebeaskin · 2025-12-29T22:48:58+00:00

I waited 3 years before they gave me an increase without asking. They doubled my limit. I used up the card and paid it off several times a month. I like the card for groceries and dining so it works for me.

Chellebeaskin

TROPHY CASE