AVOID Capital One If You Can’t Accept These Secret Policies

[@manuel6456]

How strange, I have my Quicksilver that they approved me for 750 cl and about 5 months after I asked for an increase they made me an offer of 4,250, much more than what I asked for! only in 5 months. and the truth is I don't usually spend more than what I need, I don't even buy food with it

[@tacticalranger1046]

was gonna say the same . gave me $1000 first credit card . after 6 mos or so increased to 3500 . then they offered me the quick silver starting at 4500 . 🎉 .

[@fpstina]

Theyre good for credit repair, they approved me 9.5k unsecured with a bankruptcy from 2020.... the ONLY card that approved me, so i got nothing bad to say about em.

[@chosenlieutenant3978]

They offer WAY more than just a credit repair. I have the capital savor card with a 7k limit for my first try and its hands down the best card for most people

[@cosbysthoughts]

They didn’t want to approve me back in the day without any big issues like that and I still didn’t get one. Fixed my credit and went to Chase now I have 5 cards at the best bank

[@abspasadena]

Yes, same with me. I did bankruptcy in 2010. They were first to give me unsecured card after only 6 or 9 months. It helped me then. I never really use it though.

[@splizak2203]

They gave me a $5000 credit limit in 2022 with a credit score of 650 and bankruptcy in 2018. I used to have them back in the day by defaulted on all three of my cards before

[@TraMychael]

Wow!! I had them years past in my early 20’s went through a hard time, and recently applied for a Quicksilver last year and was only approved for 300, then I’d gotten their Platinum and Walmart card with 500 limit. Since then my credit has been fair to good. Limit only increased on my Platinum once. I closed the other two and kept the Quicksilver since it’s my oldest line with

[@ButteryCowEgg]

Capital One is so random. The denied a request for a credit limit increase for my Quicksilver but randomly decided to increase my Savor One from 1k to 6k without me applying for it some months after.

[@MajesticLawnGnome]

😂

[@JohnVKaravitis]

I've been with Capiral One since 1996. I have NEVER EVER had a problem with them.

[@bionichustla100]

That’s cool. But we are speaking of capital one

[@Pwn3540]

I started with them last year and have had no problems with them at all.

[@ShayAlexis-v1v]

You’re in the minority.

[@wblake22]

I hope they don’t ruin my discover card

[@calbarton]

Haha i hope so too.

[@TheotisC]

@wblake22 I hope so too, Go Pac Go

[@leonbrown7410]

Facts

[@saininj]

Seriously. Discover at least gave me a solid Credit Line increase. Capital One gave me nothing after 8 years of loyalty. Such a rip off.

[@sebrofc]

Discover is awful, if you use the damn card they panic and lower your limit..if you throw it in a drawer with a zero balance they cancel you because you dont use it enough. Complete garbage.

[@castroh19]

I had a cc with capital 1 b4 chapter 13. When I completed my banruptcy they were the only ones who approved me for 500. 4 months later I got approved for a 3k saver one card. 8 months later my plat card upgraded to quicksilver and got a credit imcrease to 800 amd then 3100

[@annemarie5273]

Capital One treats me great. I have no complaints.

[@CraccHeadJack]

Capital one seems more like a FinTech company with credit cards as a side hustle

[@chosenlieutenant3978]

Tf lol they have one of the top single only credit cards. Capital savor one is dope af

[@CraccHeadJack]

@@chosenlieutenant3978 meaning everything is automated. I have and love the savor one too

[@crazykenbei]

Lol nah they're just a subprime lender.

[@Pyrrhic.]

I have a good experience with capital one. I do a credit limit increase request every year, increasing my venture x credit limit by 4k a year. Then again, I went into capital one with a 800+ credit score.

[@LAQueja]

Pay attention to the closing date and the due date. If you pay in full before closing date, there's nothing for them to report. Always buy items after the due date. It gives you much more leeway to pay the card off because the next due date will be almost 2 months out.

[@bladerunner8832]

Low credit limits are actually good imo. Keeps the temptation and interest rates low.

[@sastov1681]

I hope higher-ups at Capital One find your videos.

[@calbarton]

Haha, they'd be so mad. But hey, they did it to themselves.

[@johnytran1856]

Capital One doesn't automatically increase your limit unless you use it like 2-3x times the credit limit by early paying and keep using rinse repeat. If you want to increase your credit limit you have to request it and they can approve or decline you

[@joshuasolorio1613]

isnt that credit cycling?

[@jurzeqt]

What's rinse repeat? Purchase & pay off?

[@SirBrucie]

I never had issues with them, they keep offering me new cards and new credit limits.

[@Bangpaulxu]

Been with capital one for 8 years and yes my credit limit with capital one is 1000…… it is insane…..

[@ArgenisBalbuenaCordovaAj]

I started at 3k and I have 15k now .. idk why ppl say they don’t raise your credit limit.. I request a limit increase every 6 month and get approved every time

[@schm147]

Do they do a hard credit inquiry when you request an increase?

[@ArgenisBalbuenaCordovaAj]

@@schm147 no hard pull

[@goldfish3858]

On the app, they also had a notification on the top center for you to put any income increase so they can consider you for CL increase. I filled the question out and who knows if they’ll do it or ask further.

[@ArgenisBalbuenaCordovaAj]

@@schm147 no hard inquiry atleast for chase and capital one

[@bunchielove6893]

​@schm147 No they don't.

[@tyog6821]

I have 3 . My oldest was a Secured card (7yrs old)that THEY product changed to a Venture One and limit went from $300 to $3300; one with $500 that has never changed no matter how I spend & Walmart went from $1000 to $2200. I've never asked for an increase and barely use them because they're my oldest and lowest limits

[@itskat55]

Also, please pay attention to these CC statements & interest fees they charge. My balance was at zero $0 & they tried to apply interest fees. (How can you apply a fee to ZERO). After a long conversation w/a rep they adjusted my account but this crazy. CAP1 SMH!

[@Charlie-zj3hw]

Same here 2 months ago

[@Pwn3540]

I pay the statement balance every month and pay 0 interest.

[@DarknessFalls29]

If you carried a balance 1 or 2 statement cycles, they will charge you interest. Read the fine print on the back of your statement. It's wild back there lol

[@itskat55]

@DarknessFalls29 I read the fine print. They removed all the additional fees. I'm not new to this, but thx.

[@DarknessFalls29]

@itskat55 OK.

[@mattbosley3531]

I started off with a 300 limit but in a very short time without asking and with a very low income they raised my limit a frankly ridiculous amount, to around 10,000. So I don't have any complaints.

[@mattbosley3531]

Just a comment - I've never requested a credit limit increase on any of my cards. And they just give me increases much higher than I would have ever asked for.

[@lewis20002000]

Great information, I'm going to keep watching incase there's change in the requirements for the VX with the sub. Until then, I'm a Chase fan boy.

[@BrightPathOne]

I’ve been with them since 2007, no issues. They were the original ones to take a chance on me at 18years old.

[@cliffcothran]

I sockdrawared my Capital One platinum card two months ago. I now use my Apple Card as my daily driver.

[@Joel-zo6yo]

I would look to upgrade the platinum using the link he provides, no matter what you get it's gotta be better than the apple card, the rewards on that card are just so extremely limited.

[@mrlaw711]

Great information with an excellent delivery.

[@calbarton]

Thank you kindly!

[@azndarkmage]

Capital one will never give you a limit increase when you actually need it

[@MedranoTheJewelers]

I have a 8 year with my first card & It was capital one platinum & the limit been the same since the beginning only 300$ mind you my credit limit is $24,000 & the 2 time I try to do a credit increase they denied it

[@branccint1005]

I just got approved for a venture x, I make like 65k a year and they started me at 20k limit, guess I’m one of the lucky ones🤣

[@philipohmes9395]

I always learn some thing new either from the news letter or these YT postings.

[@yurig2530]

Yes, Venture X sinks every year like a brick. This card is not for their target population. I called them to ask if I can downgrade (they call it "upgrade") to Venture One, but they were pushing me towards Quicksilver, which I don't want at all. V1 was also available.

[@videofrat3115]

Can someone list the 7 policies here? i hate that you do a video and blur it, whats the point?

[@dannyM7M]

I have a quicksilver card for 7+ years...been at 2300 without increases. I did request but nothing. My chase is at 85k with score of 816. Always paid off before statement date. Weird as hell with cap1

[@chosenlieutenant3978]

That is pretty weird

[@hoapres]

FWIW, Once the quicksilver card gets to about 8 years of age then I saw $500+ CLI every 6 to 9 months.

[@fiat_ow7876]

Can’t complain about capital one. I used the quicksilver one for about 3 years, had a 3k credit limit and now I got pre approved for the savor card, did the process and my credit limit is 20k now

[@filibertocastillo2783]

I had platinum first with 750 limit. I used it to the max but would pay on time. Got offered quick silver for 2k after a year. I use both of them to the max but pay on time. they both now have 4.5k limits. And now they are offering the Savor. I think it has something to do with the interest they are making off of you. the more interest they make off you they will keep raising limits.

[@Debt2Diamonds]

I love capital one! Started with the platinum, then quicksilver has $1,100 limit, Venture one $5k limit and venture rewards $12k limit - never had any issue. Never asked for credit increases they do it on their own

[@WojtekTP-i4f]

My Capital One credit card is my preferred card. I have it for some 20 years and never had any problems. I had 3 times fraudulent charges. One at about $ 3000, a year later on the same day two charges around $ 1000 each. In all these cases one simple call to CO was enough to reverse charge. Great bank

[@jjirehministries7656]

I have been trying to find a way to product change my C.O. Quicksilver One to a no annual fee cc. Where can I find that page?

[@Jes1919]

I got the student to savor one last year. Planning to get the Venture X next year. Hopefully the Savor one is not bucketed.

[@calbarton]

That's a great duo right there!

[@Jes1919]

Its a great duo. Hopefully student cards are not bucketed@@calbarton

[@jeanieologist4456]

Cap one buckets everyone also most litigious credit card and loans in the industry

[@Qwapy1]

I would say Discover is the most litigious imo

[@johngarcia-qi9yb]

Love cap one started with quicksilver 900 limit moved on to savor $5k limit then venture 5k recently increased to 10k limit.

[@chosenlieutenant3978]

How did you get yours to increase?

[@johngarcia-qi9yb]

i used it for monthly expenses and paid in full for 7 months straight and just went into the app and requested an increase. also make sure your balances are at 0@@chosenlieutenant3978

[@paulptboa1]

I’ve been with capital one (signature card) for 40 plus years, never a problem.

[@megayugasunus8321]

Yes, same experience. I had $2500 limit on CO then out of nowhere the limit increase to $4000 don't know what happened.😊

[@jnd2415]

So many people be lying on social media about what they make and their high credit limits. I call bullshit on most people that feel they need to let everyone know this information.

[@andos2923]

I see this on reddit all the time. People declare they are 20 years old, have a $100,000 annual income and are in the process of buying a home. Really?

[@nicksmith8141]

I cancelled my Venture X a few weeks ago. That had a beefy 30k limit, but after the 1st year and the sign up bonus decided it really was't worth it, since I never booked through the portal except to redeem the travel credit and did not use a single other benefit

[@TheNoNonsenseConservative]

Ummm, with Cap One, you wanna use the card up to 3/4 of the limit and pay it off about 2 days prior to the statement end date, not the due date, so that you’re using the card near its limit but reports a 0 balance at the statement end date

[@mr.bluenotedoobop]

Never had an issue with them but I prefer Chase

[@buhner1991]

I've been with Capital One for about 1 month (yes, 1 month). I have multiple CC's (mostly with Amex). I applied for and got my Venture X the first time I applied with a $30K limit. People say this card is hard to get approved for,. I guess I'm just lucky.

[@markcurcio9928]

Chase is horrible. STAY away from them

[@willcraigle]

Wait, why? Credit card wise, I have found them to be the best. Anything else banking wise, you are right.

[@supremaazurea5191]

But why? Seemed like I made a pretty good decision since I got $10,000 CL from them vs my 2 C1 cards of $1300

[@jerrymathis5740]

guess I figured out the game. I got my C1 platinum less than 8 years ago (starting to rebuild my credit) with a $200 limit. Product changed it 3 times since then. Now it is a Venture card with $10,000 limit. The hertz contract is permanent now

[@Jon-nt8sx]

Opened several cards with CAP1 at $300 6 years later $500 limit max. Opened Navy Fed secured $200 six months later unsecured $2000

[@bilalhakeem8988]

Hi your u tube channel has very good content keep up good work!. By the way what does this have to say about cap1 now acquiring discover doesn’t sound promising what’s your thoughts Thanks!

[@SirBrucie]

It's crazy because I don't even care to request CL increase they just increase it after a while. I use the credit card in tangent with my check card, any money I spend I can easily pay back at any given time. Aimming for 900 credit score so I can flex on the crap talkers.

[@kylecorey5870]

The highest is 850

[@subtlediligence]

Can’t agree w this, they just offered me pre approval for Savor. After less than a year w quicksilver, so not so grey as this video suggests. My opinion.

[@mjwitz10]

I see the Quick silver card with a $200 intro bonus but when I got mine it had a $250 into bonus. I thought that was odd.

[@jamariquai01]

My quicksilver card, has a 3800 limit. My Venture-X, has a 10k limit. And my Venture One, has a 3500 limit. I never use the quicksilver. But I've had it the longest. Capital One, is crazy.

[@davestevens4193]

How about just avoid Capital 1?

[@BlackSted]

Easier said than done

[@mrlaw711]

@@BlackSted Why do say that?

[@BlackSted]

@@mrlaw711 Dont worry about it

[@Th33Vultur3]

Mark Reese did a video applying for the savor one and he was approved with adjusted terms and no sign up bonus with one bureau. He got a $10,000 limit.

[@teejay6058]

I just received a increase from $500 to $2000 and a Savor one card for $300 on the random yesterday lol

[@bmarie6964]

Love your stuff!! This was very helpful. But! Do you know how to dispute with store cards!?!?! Tractor Supply cat food subscriptions!!!😢$1000+. 64 yrs old! Store employee set this up!! Wasn't coming to home, cats didn't like..... OMG!

[@busyb5643]

That's weird because they initially gave me a $200 credit limit about 8 months ago now they gave me another card with 2500 limit without even asking

[@telcomtechie8448]

I got a capital one with capital one associated with a retail store. (BJ Wholesales) got 22K plus out the box.

[@Taldanmus]

C1 was bought out by ING Direct back in 2007 or so, and went from credit starter/ rehab to major player. After ING was forced to divest in 2010(?) C1 was way better company, imho.. but now seem to drifting back to their roots.. I’d make PayPal the subject of a video like this

[@Velben]

two cards and no increase in a year. Discover refunded $200 and gave me $1800 in unsecured credit.

[@Melanin_Libra]

It’s really not that hard to go somewhere else for credit if the limit is too low!

[@andos2923]

I agree they are frustrating for the reasons you outlined. I have never had any major issues with them but I have heard a handful of horror stories. 13:27 I think Capital One went too far on creating multiple versions of the same card. Does anyone remember the Journey Student card? I think that was a great card and I am not sure why it got merged into Quicksilver for students.

[@930nyce2]

When do they report new accounts to the credit bureaus? Bc I open 2 accounts with them in January. 3 statements later and theyre still not showing up on my credit report!

[@AverageXboxGamer]

I’ve never had an issue with increasing my credit limit except for the venture one, which was a base card… I’ve had no issues with increasing my savor and venture x to 30k…

[@karenrodman5007]

How do I find out if I'm eligible to upgrade my card?

[@goedelite]

Increasing one's CC limit should be avoided. In fact, borrowing money in any amounts should be avoided by anyone who wishes to improve his ( or her) financial future. Never borrow for day to day needs. Save for them! Deny yourself present satisfactions in order to achieve more important future goals. Borrowing for buying a house may be a good idea, provided the price is right. That can be an exceptional case. If one lives where there is manageable public transportation, borrowing to buy an automobile may not be a good idea. Its market value drops as soon as you buy it! it is a wasting asset, diminishing quickly in time. If you use a CC, never spend more with it than you can repay before interest charges start.

[@wayermane5069]

Crazy seeing this as I got a 20k limit off that bat with a 82k/ year job

[@mrlaw711]

If your balance is zero with Cap One, how do you cancel and get them to agree, in writing, that closing the account was at the customer's request. I don't like their business model so I only use their card infrequently so they do not cancel it.

[@macgamer1973]

My cl at the was 630 , been stuck at 500 for 3 years now. They let my account go over each month, why just up the limit to 750-950

[@battlegroundone]

no to cap 1 or discover. yes to Chase or Amex

[@zbxck12345]

use the card oversea... that would help a bit

[@lindamayweather2299]

I have never asked for a credit increase.The always came with out me asking

[@lashadow8]

I will NOT apply for their cards or bank with them. They are anti consumer.

[@mikecumbo7531]

In what way? Explain how they are evil, don’t just repeat what others have said.

[@lashadow8]

@@mikecumbo7531 I said "anti consumer," not evil. Three credit pulls for one card application; that's not necessary & it hurts the consumer.

[@jeanieologist4456]

@@mikecumbo7531 google capital one you’ll find out they’re the most litigious bank in the United States. They’re vicious.

[@suncat9]

@@mikecumbo7531 He didn't say they were "evil."

[@biga5774]

Cap one quicksilver has bumped me from 3K to 5k and last week they took me up to 7k unexpectedly.

[@mrlaw711]

How were you using it, and for how long?

[@crazykenbei]

Lol i did have that 500 platinum. It changed to a quicksilver and is stuck at 2100 to this day. 😂 Still use it though.

[@danaustin8687]

I used and paid my Adventure card consistently like Mike the Credit Guy explained and they increased my $500 to $1500 without me asking. So, this advice does not sound good.

[@djcliffyc]

Can you add your wife income on your credit app with your

[@calbarton]

Yes!

[@davidb2799]

Chase is not a great option either. I have not been able to get my credit score high enough for Chase, BofA, Citi etc. How does a person move from sub- prime to better credit cards.

[@verafiedairman]

Make payments. Biggest hits are high utilization and missed payments. Assuming that’s perfect and still not getting approved, try relationship banking. Open accounts. Last thing I can think of which should be a huge deal is cashflow, you might not “make enough” for minimum credit limits, ie CSR is a 10k min, but the CFU and flex start at $500 so it might depend on the card and if you meet qualifications for min credit limit approvals. It’s possible you’ve opened too many accts recently, or just a combination of all these factors.

[@mikecumbo7531]

One additional thing, time. How old are your accounts? If you are trying to own the world but you only have limited credit history sit back, make sure you pay your bills on time and wait a year or two. People whine about Capital One but in about 12 years of banking with them I think I have called customer service five or six times. Their high yield savings account is at 4.35% APY. Open an account and park some money there.

[@fredfinger7092]

Might sound obvious, but the more money you have in BofA accounts, and the older the accounts , the nicer they are to you with their credit card offers. I don't use Chase but they're probably the same way. Other than that, always pay on time. Keep your utilization around 10%. Don't carry a balance but DO NOT pay until AFTER the statement prints. Then pay in full. Keep doing it. As your scores go up, you will get better offers. It takes time.

[@Jesse_E5150]

Do you have at least 1 year with a credit card? Chase (and i think Citi) like to see at least 1 year of history before they will accept you.

[@uocana1]

I'm hoping once the merger happens that I can finally get another discover card. Discover has denied me multiple times due to a bankruptcy from 2021.

[@danr4197]

Can I do ANYTHING about Synchrony closing my accounts and lower limits on them. It is ridiculous.

[@KittyKat-vb1nd]

Nope. Not your money people. You're borrowing and with so many Americans in massive debt, they are not playing games

[@danr4197]

Yes I understand they are covering there "AZZ" but I have NEVER missed a payment to them or anyone else and didn't even have a balance on some of the accounts! I am NOT playing games ether! When I get older I am doing the same thing my father did, max everything out are SCREW THEM! This should be ILLEGAL. No SCHIT it's not my money MORON but if you lend it to me you shouldn't be able to take it away for NO REASON! APPARENTLY you work for SYNCHRONY! So if I had a car loan with them or a mortgage, they going to reposes when I am UP TO DATE and NEVER missed a payment!? This should be ILLEGAL and I am looking into it! I am SURE there is BS fine print somewhere like with anything and the consumer ALWAYS gets screwed. Now my credit score is being damaged. I do';t care what you say, there has to be SOMTHING I can do! OBVIUSLY you work for these crooks and or never been screwed, YET! @@KittyKat-vb1nd

[@danr4197]

And other people in massive debt is NOT my problem! If you didn't give them so much credit it wouldn't be like that. MY limits are realistic for my debt and income. These idiots gave credit to dilinquents and now I am getting SCREWED for it. SO lets CLOSE and LOWER limits on some one who has NEVER missed a payment! YA, that makes sense but in the end I will WIN! @@KittyKat-vb1nd

[@danr4197]

My mother is 77 and said when she knows she is dying, to go on a massive shopping spree! I LOVE screwing over banks, the BIGGEST crooks on earth! People in massive debt it there problem, not mine! So close accounts and lower limits on people who PAY there bills and have a LOW utilazation! @@KittyKat-vb1nd

[@jeanieologist4456]

Nope

[@terrancenorris9992]

I IGNORE ALL Capital One offers that arrive in my mail. I'm happy with Chase Visa and my Barclays and Amex Blue. Capital One just ain't my cuppa tea...😅😅

[@HullioGQ]

Capital One is truly a sub-prime lender, often willing to extend credit to nearly anyone, but their interest rates can be eye-watering if you ain't paying attention. It wouldn't make sense to increase my credit limit to $100,000 if the APR is sitting at 29.99%-even 19.99% would be a stretch. If your interest rate is above 12%, it’s crucial that you avoid carrying a balance. Otherwise, you'll find yourself paying more in interest than your purchases are worth. It’s all about being smart with credit-access is one thing, but managing it wisely is key to staying financially healthy.

[@kturner2491]

The one example he gave where the woman had 10 credit cards.. that feels so excessive. Is that normal these days?

[@GotKEYStudio]

They also will never change your secured card to an unsecured... Not my situation but I've definitely heard stories.

[@Jay-jayy-n9u]

They did change mine from use cured to unsecured but that was with a squeaky clean history, now that my history had collections it could take longer

[@cjones4047]

had mine for a while a secured card 1st credit card... and i notice out the blue got a credit increase i was surprised lol

[@williamoscott1173]

I have a capt one master card and I started with my own balance of a certain amount of money. I have only had one increase in three years. Should I ask for an increase or payoff the card retrieve my deposit and one the card?

[@cupcak3ninja209]

so its about how you use the card,,, if you have a high balance report they arnt too happy usually. its best to report 0-7% usuage. if your limit is say 750, use 400-700 a week and pay it every week. it will show you need more credit.

[@mrlaw711]

Some of these creepy card providers will not accept other than payments following the posting of your statement for the full billing cycle. Other than that, you have a good suggestion. It's all about stuffing people into "buckets."

[@ELaRue-1933]

Capital One also do not honor their policy on stolen or lost card agreement. They will find a way to charge you if your card is stolen.

[@mrlaw711]

You have no obligation to pay them, and retain a police report to file with the bureaus when Cap One attempts to bypass the laws.

[@sebrofc]

They like me a lot but I keep plenty in my savings and checking.

[@aljogosselin]

Sorry guy don't see it on my account, sounds really convoluted to me. I've had no problem pay on time, pay extra when you can and use it responsibly and you will have a good experience.

[@Ghostwriter356]

I got a better idea, get a debit card and forget the CC!!!

[@Taldanmus]

better until a fraudulent charge, and your money is gone

[@Inubry]

If you’re relying on capital one and not aspiring to get better cards with better banks that’s kinda on you lol I started with capital one and now I’m with Amex and chase

[@BlacKwIdOwtEgZ]

I have the Quicksilver One with the annual fee and I was recently increased from 500 to 1000 and maybe 2 weeks ago then they sent me a Preapproval for the Savor One card just just what should I do?

[@Ericvalentin-y2x]

I had Capital One quit silver $300 now I got Capital One server one $800

[@leonbrown7410]

I’m starting to see why Capital One trying to get Discover card to team up with them. It needs to be MasterCard teaming up with Discover card instead. I’m just saying that’s all

[@deadvenny]

I’ve gotten a savor one with a relatively high ish limit. I want a venture x card, would it be worth it with the annual fee?

[@ochenhetree]

I use the savor card earn 800$ usd a year in rewards well worth 95$ fee

[@ZipLineFine]

CapOne is horrible ..the bank opened 2 credit cards & 1 checking account in my name - without my approval / authorization !! . Done with that bank. Forever.. Horrible in all aspects.. !!!

[@diannepkegler8985]

Credit card companies keep increasing your credit limit to get you in more debt. I don’t want more debt. I don’t wanna increase my limit increase credit card limits get you further and further in debt.

[@Kratosordinson]

I regret getting their credit card

[@sill852000]

Credit debt in this Country is astronomical. People are living beyond their means. I wish there were more resources to help people limit their debt, not increase access to credit.

[@felisconcolori]

It's almost like there's an issue with employment. Something like stagnant wages while inflation has brought prices up. I can hear the houses being flipped at ridiculous prices and tripped because there are no longer "apartments"; they're *luxury* apartments with luxury rent. If people are living beyond their means, they may not have the means required for the increasing rent, home prices, food prices, healthcare, etc etc.without doing so. Their "means" may be only enough to cover getting a good tent, tarp, cooler, and a shower at one of the large rest stops that cater towards truck drivers.