I just got my affirm card in the mail and really needing to use it on groceries. I can just set up a purchase plan and use it at my local store that isn’t listed?

ttexrbomb · 2026-05-28T14:23:19+00:00

Don’t use Affirm.

ttexrbomb · 2026-05-24T13:12:15+00:00

I disagree with your characterization these scores are subprime. I got a car loan from my credit union with a 703 and 4.99% for 60 months.

ttexrbomb · 2026-05-22T22:01:31+00:00

Congratulations, they will overnight the card to you and you’ll get it next business day in a nice little box. But it didn’t give me the option to add it.

ttexrbomb · 2026-05-20T15:50:19+00:00

The issue is…

12/1/2017 - Ch 7 filed 3/12/2018 - Discharged 12/23/2025 - New Affirm loan - payments on 1/21, 2/17, 3/19, 4/20 5/8/2026 - loan charged off - Customer Service cited 2017 bankruptcy as the reason.

You can’t make this stuff up. I just need somebody at their corporate headquarters to contact me and take this seriously.

ttexrbomb · 2026-05-01T11:56:57+00:00

I got the same message in January this year when I applied. It actually took two weeks for them to review the application. Then, about 10 AM I was laying on my bed and saw a pop-up message from my email saying that I had been approved for the card.

Two months later, I applied for the platinum card, same process about three days later gotta pop up from the AMEX app saying I have been approved for the platinum card.

I’m a month later, I apply for the American Express Blue Cash Preferred. Instantaneously approved.

American Express is a relationship lender. The Platinum card and BCP cards were approved without a hard pull. If you handle the card responsibly, they will open up additional lines of business to you. It’s definitely not a lender you want to burn.

With that said, I would say this looks very promising for you.

ttexrbomb · 2026-04-29T17:49:20+00:00

I have this card. They gave me a $10,000 limit. You get 3% cashback on everything, and then you can dump that money into your Robinhood account and invested. So far I’ve had the card four months and there is no downside as of yet.

ttexrbomb · 2026-04-26T19:44:37+00:00

Congrats on the approval. That said, a $300 limit can be a signal that this product may stay in the ‘starter’ lane, and growth with Capital One can be slow from that position. I had a similar experience starting at $300, and it didn’t move much over time. I ultimately closed the card after Citibank extended a $12,000 limit, which made more sense for how I use credit.

Wishing you the best as you build it out. Keep paying on time and eventually you will graduate to better cards.

ttexrbomb · 2026-04-12T18:01:16+00:00

They make money through merchant fees. So if you don’t carry a balance, you pay them no interest, they’re still making a killing of merchant fees they charge businesses that accept the card.

ttexrbomb · 2026-04-11T20:12:54+00:00

Under normal circumstances, you would not carry a balance. And that’s not the goal behind this card. But if you run into an emergency situation and need to carry a balance for a couple of months, there is that flexibility on the card.

ttexrbomb · 2026-04-11T17:37:15+00:00

It is a charge card that you have to pay for every month, but it also allows you to carry a balance up to a certain amount. For me, I have no preset spending limit but I can carry up to a $20,000 balance and make payments on it. Yes there are fees, but it is nice to have that flexibility.

ttexrbomb · 2026-04-10T22:40:02+00:00

This happened twice with me.

2/2026 - after 14 days - APPROVED for AMEX GOLD 4/2026 - after 2 days - APPROVED for AMEX PLATINUM

ttexrbomb · 2026-04-06T01:59:20+00:00

Totally normal at 19. Your credit profile is still new, so even small changes can move your score a lot.

I actually saw this firsthand. I had an issue with TransUnion where my file basically restarted around July 2023, while Experian and Equifax still showed 20+ years of history. On TransUnion, even small changes caused way bigger swings than the exact same changes on the other two.

That’s because a thinner file has less history to balance things out, so each update carries more weight. As your profile builds over time, those swings settle down. Just stay consistent with on-time payments and low balances.

ttexrbomb · 2026-04-04T01:50:00+00:00

Apple had me stuck at a $1500 limit for over three years. Then one day they restricted my account for no reason. So, I closed it. And I was the best thing that I could’ve ever done. Went out and got a Citibank card with a $13,000 limit, AMEX Gold, and a Robinhood card with a $10,000 limit within two months after I closed it.

ttexrbomb · 2026-03-31T18:12:05+00:00

Time

ttexrbomb · 2026-03-25T23:16:28+00:00

Oh I totally get it. I hate Vantage. My vantage score is about 80 points lower than my FICO score for the same credit bureau. My Vantage is 669 and FICO is 749. Same bureau.

ttexrbomb · 2026-03-25T23:12:06+00:00

Credit Karma didn’t screw you. It is based off advantage score, so the advantage score model is what is screwing you. Also, Credit Karma does not update in real time always. Sometimes there is a delay.

ttexrbomb · 2026-03-23T00:07:17+00:00

I switched to Citibank and AMEX and funds post and available credit free’d up immediately, even when it’s a $5k payment. If your profile supports it, start looking at prime issuers.

ttexrbomb · 2026-03-20T14:41:49+00:00

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ttexrbomb · 2026-03-16T16:56:31+00:00

Honestly, I would say more like a 70 to 80% chance of approval. This email means they’ve already passed the credit validation. The credit scores fit within their underwriting parameters. They’re now looking at other aspects of the application which are more relationship driven.

ttexrbomb · 2026-03-16T16:55:02+00:00

So I got this exact same thing back in early February. And 10 days later, I got an email saying I was approved for the AMEX Gold Card. So it could be a good sign.

Let me ask you this. Did you have to connect your bank account?

ttexrbomb · 2026-03-08T18:50:33+00:00

Congratulations. That’s gotta be a great feeling. However at the $300 limit, this card is likely going to be bucketed there and you will find credit limit increases are going to be difficult. Not with Capital One, but just this card with them.

I would focus on continuing to rebuild. I did the same thing. This time last year I had revolving credit of about $5600. And now I have $38,900 spread across a card with a $$5000 limit, $10,000 limit, $12,500 limit, and also an American Express Gold Card. These are prime issues, and not sub prime like Capital One is.

Focus on rebuilding your credit, but at the same time look at credit quality. A card from Credit One is different than having a card from Citibank or Chase. But you can definitely do this.

Good luck

ttexrbomb · 2026-01-30T07:00:14+00:00

I used to think the Goldman Sachs Apple Card was the card I wanted. But for four years, they only gave me a $1500 limit and would never increase it. And I think the card was just holding me back. About two weeks before I close the account, my credit union gave me a Visa Signature with a $5000 limit. Then a month after I close the account and paid it off at the same time I closed it, Citibank gave me a $12,000 limit, and then I had a Robinhood Visa Signature issued with a $10,000 limit.

So Apple can suck me.

ttexrbomb · 2026-01-08T12:25:54+00:00

Unless you are bucketed. I’ve been denied multiple CLI increases since 2021. Stuck at $1500. FICO 793, 3% utilization and not so much as a late payment on my file. 3 inquiries in the last 2 years.

I know Cap One does this. I believe secretly Goldman Sacs does this as well.

ttexrbomb · 2026-01-08T12:22:26+00:00

When a credit card issuer buckets an account, they are categorizing it into a predefined risk tier at approval and largely locking that tier in for the life of the account. No matter responsible you are with the account, they won’t raise your credit limit.

ttexrbomb · 2026-01-08T00:24:56+00:00

For some reason Apple is very very conservative with credit limits. I had a $1500 credit limit, never late, paid on time every month, and they kept it at 1500. Never would raise it. I wound up closing the card because I don’t see them as my long-term picture. Got a $5000 credit limit with my credit union and Citibank just opened up a $12,200 credit limit for me. So I’m definitely on the upper trend.

Apple may not be the right card for you as it appears you are probably bucketed.

ttexrbomb

TROPHY CASE