Capital One being very BK friendly

[MB2714]

Does Capital One ever consider taking away the annual fee anyone know?

[Anonymous]

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@Kalamazoo2714 wrote:
Does Capital One ever consider taking away the annual fee anyone know?

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Seen many stories that say yes.  I don't have any personal experience although I plan on trying later in the year!  I'm sure someone that has successfully done it will chime in.

[Scupra]

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@Kalamazoo2714 wrote:
Does Capital One ever consider taking away the annual fee anyone know?

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I contacted the EO at one year and was able to get it permanently removed.

[04Cobra]

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@Kalamazoo2714 wrote:
Does Capital One ever consider taking away the annual fee anyone know?

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I believe if your CL is over $3,000 they will permanently remove annual fee. Chatted with a rep asking why I wasn't charged an annual fee one day and was given that answer. YMMV

[Anonymous]

So I decided today to take the plunge and try for CapOne.  After hitting the apply button I have never been so nervous waiting for a response.  I just was approved for $3000 for the Classic Platnium.  So I did what everyone suggested and went for the Quicksilver and again another $3000 limit.  I am glad I finally listened to advice and went for it even though I was never prequalified on their site.  Just a question.  I have a preapproval for a Merrick card with no fees.. Should I apply for that also or just ignore that.  Right now I have Credit one (which will be closed before one year mark) and will be getting the 2 cap one cards.  I also have a credit builder loan with my cu.

[Scupra]

Congrats on the new Cap1 cards Orioles! Personally, I would pass on Merrick and hit up Barclay in 6-12 months

[Anonymous]

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@Scupra wrote:
Congrats on the new Cap1 cards Orioles! Personally, I would pass on Merrick and hit up Barclay in 6-12 monthsTt

Thanks.  I'll do that.  

[Anonymous]

I'm glad that you were approved.  It seems that I should have filed bankruptcy. I went through a divorce in 2009 lost my house to foreclosure and had a car repossessed that was in my name that my ex did not pay for.  Add to that a couple of medical bills here and there and I've been trying to rebuild my credit since 2010. Capital One will only give me a lousy $750 card and for 2 years has refused cli. I tried to do things the right way and pay things off my credit however it seems that I should have just filed bankruptcy because those that have done soare much further along their credit rebuilding process then it seems I will ever be. sigh

[Anonymous]

it is a very difficult decision to make. I know myself I did the same as you and struggled for many years. but now that the decision has been made I know it was the right decision for me.I wish you good luck in whatever decision you automatically make.

[Shooting-For-800]

I just got approved for another $10k QuickSilver Signature Visa.  

They treat me like a king and I will stay loyal to them for a long time regardless of my credit score.

I dont pay interest and I get $75-$100 per month in cash back.  What more can you ask for 16 months out of BK?

5 cards @ 30k total

PS - Merrick Bank has been fine for me too.  900 became 1800 in 6 months.  No issues, No Fees.