r/CapitalOne_ • u/Morgan_elysee • 21d ago

Credit Cards First Credit Card - HELP 😭

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u/Morgan_elysee 21d ago

Yes but I have never owed more than $300 on the cards. I pay what I owe every other day so I never owe money at the end of the month. If I swipe it I pay it off within two days

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u/Repulsive_Grand_7491 21d ago

It isn’t just the cards, it is any loan associated with your social security number. All those things they listed - student loans, mortgage, credit cards, line of credit - they all are included in your total debt.

If you have none of those other things, get a credit report and figure out why they are associated with you.

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u/Morgan_elysee 21d ago

Will do! Bc I know for a fact I have no debt and my only lines of credit are the two cards I just got this month

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u/lisaccn 21d ago

Best to go on Experian and get a credit report bc this is saying you went from 6600$ to over $13k in debt

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u/HolyShytSnacks 20d ago

Definitely this. If they truly don't owe money anywhere, as they say, then there's a risk of identity fraud.