Weird Credit Issues....

[SacredCow]

OK, I have what I think to be a pretty good credit score (hovers between 700 and 720). In the past few months, I've paid off a couple of things (a car loan, and a credit card balance)- They weren't negotiated down or anything, just paid in full. That's supposed to be a GOOD thing, right? Not long after they were paid off, I got an unrequested credit limit raise in my Capital One Visa (from $500 to $3000). I purposely keep the limit on that card low, as it's my "high-potential-risk" card (used for online purchases and such and paid in full every month, sometimes more often if I'm doing a lot of purchasing). I email Cap One to request the old limit be restored, and they promptly obliged.

Well, in the past couple of weeks two strange things have happened. First, I'm shopping online for a new laptop and for shits and giggles I apply for credit at HP's website (wasn't 100% sure I'd finance the purchase, but if they had a 90 days same as cash option, I might have considered that). And they flat REJECTED me!!! ( :wtf: )

Then, another credit card- for reasons they didn't elaborate on- drops my credit limit AND raises my APR to freakin' 29.99%!!!!!! But... this particular card was from WaMu, and was just purchased by Chase (and don't even get me started on them- they're made of pure evil, methinks). I had planned on closing this account when I heard Chase was taking over, and this was just the kick in the ass for me to do it.