CaptialOne reports your "High Balance" to Credit Reporting Agencies and NOT your Credit Limit..there is a lawsuit pending against them for doing this..What does this mean?..You will looked "Maxed Out" on your other lines of credit if you carry a balance with CapitalOne and your debt ratio will be high..thus giving you a lower FICO score..One way to beat CapOne at their own game here is to use those little checks they send you in the mail and write one to yourself for the maximum amount of your credit line..then..repay back the entire loan on your next billing statement..This will make CapOne report your "High Balance" to the CRA and make you look like you have a higher line of credit since CapitalOne will Never report your credit limit to the Credit Reporting Agency..I would do this once..then keep my balance with CapOne Open with a zero balance..that way they have to report you with a "higher credit line" and you dont look maxed out on other cards and youl keep your credit history..@:-) @:-) @:-)