I got a letter from CAPITOL 1 yesterday they said they don't report CL only HL. Somebody mentioned to me that you can make a purchase beyond your credit limit and returning before you billing cycle ends and it will artificially report a higher HL than what CAP 1 set as your credit limit, ... thereby increasing you FICO score!!! Has anybody done this. ???? If you return the item before your billing cycle do you get charged an overlimit fee?????
