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So today i called up the backdoor # to Orchard Bank to find out when my annual fee was due. The rep on the phone let me know that during my next billing cycle i would be billed $59.00 and she could not waive it. So i told her to take her measly 400.00 CL and no rewards card offering piece of crap and shove it all the way up the you know where. LOL no but really i told her i would like to close the card there is no reason for me to keep a card that will not grow with me and has no rewards program yet charges an annual fee. She then tried to persuade me to keep the card because i would look good on my reports along with my other cards, i then assured her that my discover more and 2 amex cards that i have acquired will look great all on their own...
@terrymurph wrote:So today i called up the backdoor # to Orchard Bank to find out when my annual fee was due. The rep on the phone let me know that during my next billing cycle i would be billed $59.00 and she could not waive it. So i told her to take her measly 400.00 CL and no rewards card offering piece of crap and shove it all the way up the you know where. LOL no but really i told her i would like to close the card there is no reason for me to keep a card that will not grow with me and has no rewards program yet charges an annual fee. She then tried to persuade me to keep the card because i would look good on my reports along with my other cards, i then assured her that my discover more and 2 amex cards that i have acquired will look great all on their own...
LOL...hooray for you. Post of the day!!
Congrats man, my annual fee is coming up in march, im gonna call them up next month and if they dont at least lower the annual fee, its cancelled!!
LOL i feel wonderful these forums have helped me so much over the last two years I have managed to drop all my sub-prime cards, and while doing so gotten 2 Amex Cards GOLD and the ZYNC. Plus a DISCOVER MORE with a 3000 CL my largest ever and 1000 worth of CLI on my JC PENNY store card so now IM at 2500. Both of my subs combined only had a limit of $1400.00. Im going to wait a full year and PC from the ZYNC to one of AMEX Credit cards....OHHHHH and did I mention I got my first auto loan ever from a bank for my dream car 04 BMW 745LI with all the options and sports package...IM SCREAMING THANK YOU SO MUCH TO ALL OF YOU ON THE FICO FORUMS. I feel a tear coming on..Again thank you I will never abuse my credit again. It's so easy to destroy you credit but so hard to rebuild it..NEVER AGAIN
@DI wrote:
@terrymurph wrote:So today i called up the backdoor # to Orchard Bank to find out when my annual fee was due. The rep on the phone let me know that during my next billing cycle i would be billed $59.00 and she could not waive it. So i told her to take her measly 400.00 CL and no rewards card offering piece of crap and shove it all the way up the you know where. LOL no but really i told her i would like to close the card there is no reason for me to keep a card that will not grow with me and has no rewards program yet charges an annual fee. She then tried to persuade me to keep the card because i would look good on my reports along with my other cards, i then assured her that my discover more and 2 amex cards that i have acquired will look great all on their own...
LOL...hooray for you. Post of the day!!
@alberty2k wrote:Congrats man, my annual fee is coming up in march, im gonna call them up next month and if they dont at least lower the annual fee, its cancelled!!
When you call tell them i sent you....HAHAHAHAHA
Way to go!!! I'm going to do the same when it's time for my CapOne af to roll around if I haven't received any CLI on my $500 card. Also just be aware that you can't do a PC from an Amex charge card to a Amex credit card, it would have to be a new app.
@Gibran wrote:Way to go!!! I'm going to do the same when it's time for my CapOne af to roll around if I haven't received any CLI on my $500 card. Also just be aware that you can't do a PC from an Amex charge card to a Amex credit card, it would have to be a new app.
Thanks for the info Gibran. And lets keep the dropping of sub-primes i love seeing them being done and over with, they have served their purpose.
@terrymurph wrote:LOL i feel wonderful these forums have helped me so much over the last two years I have managed to drop all my sub-prime cards, and while doing so gotten 2 Amex Cards GOLD and the ZYNC. Plus a DISCOVER MORE with a 3000 CL my largest ever and 1000 worth of CLI on my JC PENNY store card so now IM at 2500. Both of my subs combined only had a limit of $1400.00. Im going to wait a full year and PC from the ZYNC to one of AMEX Credit cards....OHHHHH and did I mention I got my first auto loan ever from a bank for my dream car 04 BMW 745LI with all the options and sports package...IM SCREAMING THANK YOU SO MUCH TO ALL OF YOU ON THE FICO FORUMS. I feel a tear coming on..Again thank you I will never abuse my credit again. It's so easy to destroy you credit but so hard to rebuild it..NEVER AGAIN
You won't be able to product change from Zync to a revolving card. You'll have to re-apply. Why are you keeping a Zync and Gold? They're pretty much the same function, seems like a waste to pay two annual fees.
@smc733 wrote:
@terrymurph wrote:LOL i feel wonderful these forums have helped me so much over the last two years I have managed to drop all my sub-prime cards, and while doing so gotten 2 Amex Cards GOLD and the ZYNC. Plus a DISCOVER MORE with a 3000 CL my largest ever and 1000 worth of CLI on my JC PENNY store card so now IM at 2500. Both of my subs combined only had a limit of $1400.00. Im going to wait a full year and PC from the ZYNC to one of AMEX Credit cards....OHHHHH and did I mention I got my first auto loan ever from a bank for my dream car 04 BMW 745LI with all the options and sports package...IM SCREAMING THANK YOU SO MUCH TO ALL OF YOU ON THE FICO FORUMS. I feel a tear coming on..Again thank you I will never abuse my credit again. It's so easy to destroy you credit but so hard to rebuild it..NEVER AGAIN
You won't be able to product change from Zync to a revolving card. You'll have to re-apply. Why are you keeping a Zync and Gold? They're pretty much the same function, seems like a waste to pay two annual fees.
+1. in fact you cannot PC any Amex charge card to one of there revolvers. It's a new app/hard pull however how well or bad you treat the charge card
can influence your chances of approval. That's why you hear man folks on this forum expressing their desires to get a charge card to get their " foot in the door"
with Amex.
Thank you both for your replies and concern. The reason i am keeping both cards is because the ZYNC gets good rewards for my trips that i take to Vegas due to the pack i added on, but on the other hand it is not eligible for some of the rewards the gold offers like preferred seating. And seeing how I go to a lot of events in which this is a useful tool i decided to keep both until they have aged a Year and then i will apply for one of the Credit Card products they offer. When i refereed to it as PC i meant it in the loosest of ways...LOL I knew it would be a new app thats why i am waiting but my excitement got the best of me.