cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1 Rebuilder w/ No AF

tag
atarvuzdar
Established Contributor

Cap1 Rebuilder w/ No AF

Buddy of mine just received two separate offers in the mail today for a Cap1 Platinum rebuilder card with 0% APR 'til Dec 2012 (22.9% thereafter) and no AF. I thought the rebuilders all had an AF prior to this--no? I'm a little jealous, both my rebuilder Platinum and my NHRC have $39 AF. I would call to PC my Platinum if I didn't already know they wouldn't do it for me. Smiley Frustrated

FICO 8: EQ 846 / TU 836 / EX 832
AMEX Platinum / BofA Cash Rewards Visa Sig $99,900 / Chase CSR $43,400 / Citi Double Cash $39,600 / AMEX EveryDay $30,000 / Discover It $26,000 / Gemini $25,000 / JetBlue $25,000 / Chase Freedom Unlimited $22,500
Message 1 of 8
7 REPLIES 7
Wolf3
Senior Contributor

Re: Cap1 Rebuilder w/ No AF

Captial One website only lists 1 rebuilder.   The secured card with $29 AF.

 

Those are for average credit.

Message 2 of 8
Anonymous
Not applicable

Re: Cap1 Rebuilder w/ No AF

Yeah my Platinum still has an annual fee and I'm going to ask that it be waived this year.

 

With no annual fee, it's a no brainer, do it.

 

Cap 1 is great for rebuilding, but after that I don't think they are the way to go.  There are better options out there.

Message 3 of 8
LS2982
Mega Contributor

Re: Cap1 Rebuilder w/ No AF


@Anonymous wrote:

Yeah my Platinum still has an annual fee and I'm going to ask that it be waived this year.

 

With no annual fee, it's a no brainer, do it.

 

Cap 1 is great for rebuilding, but after that I don't think they are the way to go.  There are better options out there.


+1




EQ FICO 548 3/3/16
Message 4 of 8
clocktick
Valued Contributor

Re: Cap1 Rebuilder w/ No AF

I have a rebuilder card from 2008 with no AF.  I plan on keeping it open for the no forex fees - there are no rewards though.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 5 of 8
RiseandShine7907
Established Member

Re: Cap1 Rebuilder w/ No AF

I have a Cap One rebuilder issued in 10/2011 that doesn't have an annual fee with 0% Apr until 7/2012.
TU-720 --- 03/14
EQ-727 -- 03/14
Message 6 of 8
jamesdwi
Valued Contributor

Re: Cap1 Rebuilder w/ No AF


@atarvuzdar wrote:

Buddy of mine just received two separate offers in the mail today for a Cap1 Platinum rebuilder card with 0% APR 'til Dec 2012 (22.9% thereafter) and no AF. I thought the rebuilders all had an AF prior to this--no? I'm a little jealous, both my rebuilder Platinum and my NHRC have $39 AF. I would call to PC my Platinum if I didn't already know they wouldn't do it for me. Smiley Frustrated


my first rebuilder is no AF and a 11% apr,  but no rewards, i think they are only availible by mail offers. The ones i see online are all AF. 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 7 of 8
LS2982
Mega Contributor

Re: Cap1 Rebuilder w/ No AF

My $39 AF hits next month. I've gotten back more in rewards so i'm not too mad about it.




EQ FICO 548 3/3/16
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.