For Those of Us Transitioning to Capital One...

[p-]

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Simply827 wrote: I already got a replacement for one of my HSBC cards. Same card, just with a Cap1 logo in the corner.

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Interesting;  was it a retail branded card, or an HSBC or Orchard?

[Simply827]

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@p- wrote:

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Simply827 wrote: I already got a replacement for one of my HSBC cards. Same card, just with a Cap1 logo in the corner.

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Interesting;  was it a retail branded card, or an HSBC or Orchard?

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I was an HSBC card through my union.

[injustifiiable]

I have the white gumball card from Household...but since they are supposed to let you do Image Card on them, I'd certainly pick something else.

Also, my first year went by earlier this month and there was no annual fee charged...I hope THAT isn't a fluke.

[ryanbush]

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@mxp114 wrote:

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@NJTurnpike wrote:

I hope that they don't mess up my household account. 14.99% apr with 2% cash back on everything works fine for me since I PIF every month. Just need a better CL though.

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I can't imagine they will create a specific card type for that, so they will probably honor the 2% for a specific period then force transition you over to the standard 1% card with the annual 50% bonus.

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I have the same card with 2%, it was the one I used the most but I have transitioned most of my spending over to my AMEX and CSP in anticipation of the 2% on this card going away.

[sassymomof2]

I think they are working on a new product.  I received a survey about 6 weeks asking questions about my opinion on the Orchard Bank card, the credit line, rewards, etc. etc.  I'm surprised no one else hasn't commented sooner.  We shall see. 

[daybreakgonesXe]

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@sassymomof2 wrote:

I think they are working on a new product.  I received a survey about 6 weeks asking questions about my opinion on the Orchard Bank card, the credit line, rewards, etc. etc.  I'm surprised no one else hasn't commented sooner.  We shall see. 

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Hmm...I do remember answering a survey as well about Orchard Bank and how satisfied I was on different aspects and overall...don't clearly remember though! We shall see!