Thanks Timothy
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wow, it is 9:37pm est. i am on the phone with capital one (backdoor#) to have the accounts combined. Julia the CSR seems a little annoyed because it is a long process. I will update in a few minutes when she is done.
ok there is the update they combined the account to the one with the lower APR and *bleeping* AF. They did not give me an CLI which i am ok with. at least i will have one bill from CAP1. So now my my credit as follows: (do not yell at me MODS)
Walmart 19.87% $330 (received letter 10/20/2008 about CLD of $80..was $410) - bal $187
Target 20.99% $ 200 bal $148
Capital one 14.15% $3000 Bal $2811 (just combined 10/20/2008) AF$29
Upromise Citi 14.99% $2800 Bal $2585
Orchard Bank 14.90% $500 bal $300
Ikea 19.90% $300 bal 0
Children's Place 21.96% $250 bal 0
Avenue 22.80% $470 bal 0
Yes I know i have high balances, but the ones under $300 will be paid off by the end of the year. The High Balance ones will get a big payment at tax time. I do not carry my cards with me unless i really need them. All of these accounts are paid on time and also over paid $5-10 depending on budget. I feel better now that i combined the CAP1s into one account.
I was shocked as well but with all the CLDs going on, I wonder if CAp1 will follow suit. Right now Cap1 (with the combo) is the highest limit I have in all my cards
@Anonymous wrote:The backdoor number is definately useful. I called today and combined the new card ($750 CL, 0AF, 0% APR until Oct 2009) with the old card ($1100 CL, 39AF, 14.15% APR).
So I got rid of the AF and have a pretty good interest rate for the next year and I think after that it is still 12-13%.
They say it takes up to 14 business days for the process to be completed then I would get a confirmation in the mail....
Yes the rep gave me the same speech about the 14 days. Still pay accounts until the otehr is closed ..blah blah blah. She was not the most friend rep until the end of the conversation
