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Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Capital one (combining question)

Thanks Timothy
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Capital one (combining question)

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.
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Capital one (combining question)

[ Edited ]

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.:smileyvery-happy:
Message Edited by niecey89 on 10-20-2008 09:54 PM
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Valued Member
German_Girl
Posts: 34
Registered: ‎09-19-2008

Re: Capital one (combining question)

I had the same question...I had 2 cap1's with a CL of $500 both almost maxed and I combined them to the lower APR one of 5.56%. balances dont matter if u want to combine.
as of 09/16/2008 TU 623, EX 620, EQ 663
as of 10/01/2008 TU 637, EX???, EQ 655
Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Capital one (combining question)

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
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Valued Member
westcoastcyc
Posts: 39
Registered: ‎07-09-2008

Re: Capital one (combining question)

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.... 

 

 

Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Capital one (combining question)


westcoastcyc 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
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Regular Contributor
soccermomof4
Posts: 155
Registered: ‎05-07-2008

Re: Capital one (combining question)

Yeah, their CS Reps are definitely not happy-campers.

 

DH combined his 2 Cap1 cards last night, and the guy was just rude. 

 

 

TU=564 EQ=??? EX=??? 4/4/06
TU=643 EQ=625 EX=618 1/24/08
TU=678 EQ=651 EX=665 10/24/08
TU=694 EQ=669 EX=??? 9/24/09
TU=706 EQ=691 EX=??? 10/8/09
CH7 BK 2001
Community Leader
Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008

Re: Capital one (combining question)


soccermomof4 wrote:

Yeah, their CS Reps are definitely not happy-campers.

 

DH combined his 2 Cap1 cards last night, and the guy was just rude. 

 

 


wow, that sucks!  i hope i don't have to call them much!

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