My Capital 1 Visa is reported to the bureaus as carrying zero "high credit" (=Credit limit). This is the only U.S. card I currently have. Credit limit is $1000. Reading a previous post of Doris, I realize this is a policy, not an error. After reviewing my application for a store card (Target), it was denied for the following reason: "Your credit bureau report indicates a high ratio of debt to available credit". Reading that paying off every month is not the best way to build credit, I'm used to leaving about $20 revolving. Guess what? Since my revolving credit is higher than my REPORTED credit limit, even a $20 revolving balance is seen as a high ratio of debt-to-available credit. Comments or descriptions of similar instaces will be appreciated. Saar
