What banks, besides US Bank have high ATM withdrawal limits that I could use with my capital one debit card to withdraw cash? More on reddit.com

Ok, I found out. For any future people who stumbled upon this on google. Log in to the website. Click on View Accounts on the big blue box with your money for whatever you want to use to purchase. Click Account Services & Settings Click Change Card Spending Limit Change the spending limit to whatever you want. Go buy your stuff. More on reddit.com

It can be difficult in a situation like yours starting out with low limits. You usually can't make more than 1 payment a day, and some cards it's several days before you can make another payment (Discover). The process of using up your limit and paying it down multiple times in the same billing cycle is called cycling, and some lenders get pissed when you do it. I've never had or heard of Cap One having a problem with it. This is most likely bc a transaction hasn't posted yet. You go spend $50 on your card, and your available credit is reduced right away, the charge will show up as pending, but it may take a couple days for the transaction to post, and you won't be able to pay towards it until it does. Your balance on the day your statement closes is what's reported to the CRAs for utilization in almost all cases. Don't sweat that one too much. Utilization has no memory in current FICO models. You want to take care that you're not showing huge utilization numbers (70%+) that could make it look like you're overextended and trigger some kind of adverse action from a lender, but you don't really need to micro manage it either. Until you build up some history and get some credit limit increases, you may have to adjust what you pay and when with your credit cards, but I think your overall strategy is good. You just do what you can as you rebuild. More on reddit.com

Your direct deposit will be fine. There is no limit to how you can spend your money, only when using the debit card. “ Total card purchases and withdrawals are limited to $5,000 per day. This includes ATM withdrawals using your debit card, cash advances, and signature and PIN-based purchases. Daily limits on withdrawals from an ATM made using your account’s ATM/debit card are set based on confidential fraud and risk criteria that are essential to your protection and the integrity of the service and may be modified at our sole discretion without advance notice. You can check your daily withdrawal limit on the Capital One Mobile App or online account, or by calling us at 1-800-655-2265. You can also lower your limit or temporarily increase your limit by calling us at 1-800-655-2265. You may also withdraw cash from ATMs using your mobile app. Total withdrawals may not exceed $500 per day and $2,000 per month. However, we may on occasion change these limits based on confidential fraud and risk criteria essential to your protection and the integrity of the service at our sole discretion without advance notice. “ More on reddit.com