1. I have a balance at capital one, and i don't want to pay it off in full, what is my next best option 2. how can i increase my credit allowance 3. how can i get lower APR cards. I need to better my credit score , what should i do.

1. That will depend on your personal situation—probably best to have a private one-on-one with an expert in this area (I'm not). 2. That doesn't sound like a good idea if you are already in debt you can't (don't want to?) pay. 3. Generally those are attainable if you have good credit, but it's kinda a catch-22 at this point. I think there are those here that are better equipped to answer these types of questions, but I think your primary focus should be on getting rid of all your high APR credit card debt. The "how" will be very dependent on your individual situation.

I'm happy to meet 1 on 1 to discuss in depth!

@adventurous-hydrogen-92627 not sure if you got the answers you needed. It's hard to say without seeing the full situation (your credit report, other debt etc.). The easiest way to look at this is: Higher credit score = higher credit limits and lower interest rates. Score is usually being suppressed for one of three reasons: 1. Late or charged off history 2. High credit card utilization 3. Not enough accounts or history Assuming the issue is only high credit utilization ratio. Some options: 1. Pay down your credit cards significantly. You can look into taking out a personal loan to pay down your cards. Credit scores does not care very much about utilization on personal loans. 2. Get added on to a card as an authorized user. The card should have a high limit, little or no balance and no late payments. This added card + credit lines can lower your utilization. 3. Apply for more credit cards to get more limits. This is the worst option if your score is not ideal as you will probably be declined or get a low limit.