what was your utilization in the months leading up to ditching them? I wonder if it would be a good idea to use it at a 30% utilization rate before demanindg they drop the AF and/or raise your CL. I'm thinking of ditching Capital One at some point in 2013 -- I pay a $36 AF with a $2,000 credit limit -- but before doing so I will try to get them to drop the AF. If not -- adios.
Starting Score: 653 (11/1/2011 TransUnion)
RIP 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@FicoTron wrote:I finally kicked Orchard Bank out of my wallet. My 2 year anniversary is nearly up and I fully refused to pay the $79 AF. The countered with lowering the fee to $39, which I promptly denied. I explained how my scores are way too high and I would settle for no less than no AF and a CLI. They offered a CLI but didn't budge on the AF. I knew what I was getting into when I got it, but I wish they would have done it so I don't have to close an account, but at a $320 limit I am all set, especially since my Amex limit will be $6000 next month. don't be afraid to ditch these sheisters when you can.
would you mind to share your step to step process of all your credit card after the orchard bank open ? thanks ........
Starting Score: 560to the shredder!!!!!!!!!!!!!!!!! RIP!
