I got an e-mail today from WaMu, offering me a rate of 2.99% on balance transfers. I've been so furious with CapOne and wanting to get that balance down to $0 and sockdrawer the card. The balance transfer offer was a great way to be done with them and hopefully really drive the lesson home.
Can you believe I've had their card for five years and they have never given me a CLI? Been a good customer all that time, too, except for one month I was about three days late. That's probably what they're holding against me!
They did me well for a while, and there was a time when CapOne was the only company that would issue me a card. They helped me rebuild my credit and get other cards with better terms and balances, but I don't need them anymore and if they're not willing to grow with me, they can sit at $0, help my average account age, and get to know my sock drawer very well and never see another dime from me. [/rant]
What's the likelihood that CapOne will *ever* show me any love? I've considered calling to cancel my card and seeing what kind of attempts at retention they would make, but I'm afraid they would call my bluff and really cancel it, which would be quite a hit to my average account age and would even probably hurt my util a bit, low as the CL is.