Valued Member
Posts: 27
Registered: ‎01-13-2009

Bye Bye Capital one :)

Happiest credit day. Canceled my Capital One card.


Anyone else had the pleasure?

Amex Platinum | Amex Zync | Penfed Plat Rewards | Discover IT | Bank Of America Cash Rewards

Valued Contributor
Posts: 2,255
Registered: ‎07-23-2012

Re: Bye Bye Capital one :)


never had a cap one perse... 


Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014

2014 Goals:
Lower Utility
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012

Re: Bye Bye Capital one :)

Congrats :smileyhappy: when my discover and usaa get here I'm killing capital one and credit one!

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Frequent Contributor
Posts: 496
Registered: ‎04-16-2011

Re: Bye Bye Capital one :)

Destroyed  2 of my cards recently, was so happy

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^
Regular Contributor
Posts: 238
Registered: ‎10-18-2012

Re: Bye Bye Capital one :)

Good for you!!!  I will have the pleasure in December! Planing to close both my Secured card and my No-Hassle Reward card down before the Annual Fees kick in.  TIme to move on and I can't wait! 

Regular Contributor
Posts: 174
Registered: ‎06-21-2012

Re: Bye Bye Capital one :)

Congrats :smileyhappy: I have closed 1 Cap1 and now waiting for my other limits to surpass my CashBack card, then its gone! 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Established Contributor
Posts: 791
Registered: ‎05-16-2012

Re: Bye Bye Capital one :)

and another one bites the dust!!!

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Bye Bye Capital one :)

congrats,  just axed both of my cards last week.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Member
Posts: 45
Registered: ‎01-21-2012

Re: Bye Bye Capital one :)

Not yet :smileysad:


My AAoA is only 5 months, so I'm going to let it wait another year or so before I cancel it.  By then my cash back should be at the $20 mark (I just have my gym membership going to that card now) so I can redeem that and cancel the card without hurting my AAoA too much

In Wallet: $4500 USAA Amex, $1800 Chase Amazon, $1500 PenFed Visa
In Sock Drawer: $5200 Walmart Discover, $750 Crapital One Journey, $300 Target RedCard
Starting Score: 743 TU (Walmart)
Current Score: 743 EX 743 EQ 765 TU
Goal Score: 800
Frequent Contributor
Posts: 271
Registered: ‎09-30-2012

Re: Bye Bye Capital one :)

I would love to, but it really brings up my AAoA since I have had it since 2006. I'm just about to PIF and put it in my sock drawer.

Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014

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