07-19-2007 08:13 AM
07-19-2007 09:28 AM
07-19-2007 06:24 PM - edited 07-19-2007 06:29 PM
07-20-2007 11:07 AM
07-21-2007 07:39 AM
myhearts07 wrote:Don't do it.. You don't need the credit through them, they suck!!! I have them for almost 5 years now, 1 credit line increase cost me $50 in fees and when I had a hardship they cancelled my card and now its shows as credit line cancelled by credit grantor, ding!!!!I got two increases from Cap 1 without asking, no charge to me.Forget them jokers!!!
07-21-2007 09:26 AM
07-21-2007 05:51 PM
VLGaffEsq wrote:I have been a customer of this credit card company since 2000, when my FICO score was in the toilet, and since they are my oldest card and I have a credit limit of 2 K. om my "Silver Preferred" card, I keep the credit card account. Be advised, however, that they refused to lower my interest rate of 23.99%, even after my FICO score was over 719, and they do charge fees for everything, but remember, "beggers can't be choosers," and I was grateful they gave me a card when I needed one, so I keep the card, but don't use it very often, and I really only keep it to have a positive trade line on my credit report.
10-04-2007 12:45 PM
10-04-2007 05:00 PM
Thanks for your reply CreditHawk, but if you carefully read my email, you would have seen that this credit card is "my oldest credit card" which helps establish your "length of credit history," which I believe counts for roughly 30% of your FICO score. That is why I continue to keep this credit account open since I have had since account the longest, since 2000. Also, I DO have five other credit cards...
10-04-2007 05:34 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.