<prompt> Human: I had a credit card with USAA since I was 16 I am now 24 and they repeatedly denied my requests for a credit limit increase above the 300 I was started at, so I canceled my relationship with them since I was having to use my debit card to buy groceries and pay rent anyways. Im now at the point where Id like a credit card again to buy stuff on eBay to avoid the 3 ATM fees on each foreign purchase and Amazon automatically denied me for their card. I checked my credit score and saw it was around 620, and it seems the only reason for this is that I have 2 derogatory remarks. These are from surgeries I had 5 years ago and my parents said they paid the charges so I never dealt with them. Both charges add up to about 300 which is pretty minor in the grand scheme of things, I now am graduated from college with no debt and make 66K so why wouldnt I be approved for a card?TL:DR: I make 66K and have no debt but cant get a credit card with a limit above 300, does this mean creditors cant see how minor my collections debt actually is Im being collected on for 300Assistant: You say that you have no debt but you do; you have accounts in collections. If you clear that up you may have better luck.Human: I have debt of 300, from a perspective of whether or not I have the ability to pay off a credit card on a decent income means practically nothing Assistant: I have debt of 300, from a perspective of whether or not I have the ability to pay off a credit card on a decent income means practically nothing You may have the ability, but they also want to know that you have the will. You can afford to pay off the 300 but have chosen not to and theyre not interested in being the next debt you choose not to pay.Human: This mentality flies against incentives to make money, I stand by my opinion they have bad algorithms if they think they cant make money off me. In the business insurance department I used to work in we would regularly write insurance for businesses who had massive amounts of debt because we knew they had the ability to service it, this is all that should really matter  <response>: Again, the problem here is not with your ability to pay, but your willingness to pay. You have an active collections account on your record that you havent paid off. This indicates that you are not willing to pay your own debts, why would anyone extend you more opportunities to not pay them back? They dont make money from written-off debts, and they lose money on debts sent to collections. 