Valued Member
Posts: 29
Registered: ‎03-06-2013

Re: Barclay CLI, Lose Cap1?

I feel ya. I wanna ditch my Cap1 cards so bad! The AF on EACH of them is 39 bucks but not due until December and January. Now I realize why they don't do CLIs for customers but are more than happy to give you a second card! I will call the EO (again) sometime before December and see what they will do for me but I wanna just kick 'em to the curb. 

Starting Score: EX: 678 EQ: 677 TU: 667 03/06/2013
Current Score: EX: 684 EQ: 687 TU: 705 03/31/2014 / Last App: 08/04/2013 / In the Garden Until: 01/04/2013

      NPSL           $5000           $3000           $3000           $2500           $2000           $1000            $1000           $1000           
Valued Contributor
Posts: 1,479
Registered: ‎11-10-2012

Re: Barclay CLI, Lose Cap1?

TwentyTwelve wrote:

I'm rebuilding since 2010. First I got a Cap1 rebuilder card. Has a 500$ limit and a 39$ annual fee due in Sept I think. After awhile I was offered a Barclay card, and they doubled the limit on it to 2500 after 6 ontime payments. Lastly, I got a WM card and they gave me a 300$ limit. 


Ok, since then, WM increased to 400 and the other day my Barclay card increased to 5500 automatically! Is it finally time to ditch the Cap1 card? I have asked them to convert it to another kind of account and they refuse. 

You could try the EO route if you wish. I also had a $500 CL Platinum Card with Cap1 and was able to get it to $1,500 plus a 1% rewards program and waiver of the $39 AF via the EO. Good luck to you.

 photo Logo-CreditCardCollection-DataInclusive_zps2390ab7f.jpg
Valued Contributor
Posts: 2,795
Registered: ‎11-13-2012

Re: Barclay CLI, Lose Cap1?

[ Edited ]
Sorry cannot quote on iPad ...but contact the EO, ask for removal of AF, add rewards and match your Barclays CL sounds like a good plan. If Cap1 does not budge you can still close the account before the AF hits. This is what I would do and if successful with AF removal and adding rewards I would accept a counter on CL. Then keep it and work further on CLI.

I am on a fruitless mission myself with Discover but I have a lot of time and I am sure one day Discover will match my other cards :smileyhappy: - Good luck and lots of success !
FICO® EQ 788 (as of today) - TU 767 (09/28) * Fako EX 789 (09/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7

Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Frequent Contributor
Posts: 370
Registered: ‎03-26-2010

Re: Barclay CLI, Lose Cap1?

[ Edited ]

Capital One has been good to many including me. I would apply for a regular rewards card from capital one. Or wait another 6 months and try to go the executive office route.




A 39 ANNUAL FEE isn't that much if it helps you rebuild credit in the overall scheme of things. IMHO. Soon you can have better credit and get that back in rewards when your credit is better.

Capital One QuicksilverOne MC| MTV Visa | Sony Visa | NFL Visa | ebay MC | Best Buy MC | Credit One Visa | JCP | Kohl's| Conoco | Bloomingdale's | Lowe's | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap |

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+