I was under the impression the available credit you have in relation to your income is what determines your credit score. I think if CAPITAL ONE is doing this other banks will follow.
Not necessarily since Cap One is into consumer credit and that is unsecured. I suspect they are worried.
Determining factors are income, total credit lines and outstanding balances. However if you don't have a secured credit, mortgage or car loan then everything is unsecured and they will either lower your limit or adjust your FICO score.
Then you are still left with the agencies that they get their reports from.
Amex continues to short change me on my FICO score even though I have a high limit with them. Chase does the same thing and Citi ranks me highest.
Go figure that one out.
They also factor in when the statement is cut then the days they receive a check.
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