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Regular Contributor
josie
Posts: 110
Registered: ‎04-04-2007
0

Closed 3 year old Cap1 credit card

Was charged the annual fee of 59.00. Called and ask them to wave the fee and they said all they can do wave half of it. So I told them ill go ahead and close the account limit us only 500 and they won't give me an increase been asking for over a year.  Just got Amex gold at 1000 and Amex BCE at 4500. So as far as I see is too bad for them. 


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Regular Contributor
josie
Posts: 110
Registered: ‎04-04-2007
0

Closed 3 year old Cap1

Was charged the annual fee of 59.00. Called and ask them to wave the fee and they said all they can do wave half of it. So I told them ill go ahead and close the account limit us only 500 and they won't give me an increase been asking for over a year.  Just got Amex gold at 1000 and Amex BCE at 4500. So as far as I see is too bad for them. 


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Valued Contributor
notfancy
Posts: 3,679
Registered: ‎11-23-2013
0

Re: Closed 3 year old Cap1

Bah, you should have tried to go the EO route first. :smileysad:

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Valued Contributor
gdale6
Posts: 9,711
Registered: ‎12-13-2013
0

Re: Closed 3 year old Cap1 credit card


josie wrote:

Was charged the annual fee of 59.00. Called and ask them to wave the fee and they said all they can do wave half of it. So I told them ill go ahead and close the account limit us only 500 and they won't give me an increase been asking for over a year.  Just got Amex gold at 1000 and Amex BCE at 4500. So as far as I see is too bad for them. 


Congrats to your Cap-1 departure, good luck.

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Regular Contributor
josie
Posts: 110
Registered: ‎04-04-2007
0

Re: Closed 3 year old Cap1 credit card

sorry double posted 


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Frequent Contributor
NonSufficientFunds
Posts: 332
Registered: ‎04-09-2013
0

Re: Closed 3 year old Cap1


josie wrote:

Was charged the annual fee of 59.00. Called and ask them to wave the fee and they said all they can do wave half of it. So I told them ill go ahead and close the account limit us only 500 and they won't give me an increase been asking for over a year.  Just got Amex gold at 1000 and Amex BCE at 4500. So as far as I see is too bad for them. 


AmEx actually gave you a pre-set spending limit on a Gold Card ?

 

I thought they did not reveal their internal limits to their cardholders.

 

 

Regular Contributor
josie
Posts: 110
Registered: ‎04-04-2007
0

Re: Closed 3 year old Cap1

Did that back in June and again in December. Still didn't get anything. 


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Regular Contributor
josie
Posts: 110
Registered: ‎04-04-2007
0

Re: Closed 3 year old Cap1

It the Delta gold


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Valued Contributor
CreditMagic7
Posts: 3,859
Registered: ‎01-04-2014
0

Re: Closed 3 year old Cap1

Did you go thru the EO channels and express your concerns? I do share your frustrations with Stingie crapper one. I applaud everyone who flooded posts with their recent increases, some after many years finally breathing satisfaction, but i'm in the same boat with C1 toy limit and i'm about to close my Cap1 card after numerous attempts at even a small CLI they refuse every time. And EO is not going to HP my reports to damage my standing with Higher Quality Prime lenders who don't exactly care to find yet another toy limit legacy cap 1 stamps on CRA reports.

You Already Have A Pair Of Cream of the Crop nice cards in Amex. I hope to bring one in myself later this year.

Way better opportunities await you :smileyhappy:
| |

It's All In The Magic Of Your Own Destiny
Valued Contributor
wacdenney
Posts: 1,135
Registered: ‎01-12-2014
0

Re: Closed 3 year old Cap1

I feel your pain with Crapital One.  I had to go through the EO to get my $59 fee waived for this year only, they refused to permanently remove the "membership" fee.  I asked for a $1200 CLI and they gave me $200.  About a week later my wife, who has almost identical scores, got an auto CLI from them for $1000 that doubled her limit to $2000.  There is no rhyme or reason to the things they do and it seems they would rather invest in interest and fees from high risk customers than maintain relationships with those who have invested in their cards.

 

Both of my Crapital One cards have been paid in full and have found themselves a new home in the SD and that is where they will live until about a week before the AF hits next year at which time they will be closed.  I prefer to funnel my money through Prime lenders who appreciate the relationship I build with them!

     
      

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