Credit Card Center Advertiser Disclosure†
08-16-2012 08:06 PM
Ax that card. You'll get your AF refund and done with them 4 good. If they don't wave my AF in December I will be closing the account even though its my highest AOA it's time to move on for me and this sub prime joke.
08-16-2012 08:25 PM
08-16-2012 08:38 PM - edited 08-16-2012 08:39 PM
Well I check my account todat and low and behold, a $39 AF is posted on my account. Two (2) representatives told me that this fee would post 8/31 and they would waive it after it posts.
Well the Sr. rep. waived the fee but now $39 reports on my CR's. It's really just the principal now to me. I should get accurate info.
Until I see a CLI this card will continue to be used for recurring charges, I hate having this low $750 card reporting.
Yeah, don't sweat it served a useful purpose, IME cs is uneven at cap1 at best. Have a no hassle rewards cap1 stuck at 750, it never had an AF and is a decade old- higher than my AAoA but lowest limit, 2nd lowest is an almost 7k Discover.
IIRC Avg CL is >12.5k even with my low limit cap1. Perhaps consider holding on to it if no AF and adds to age. It was a bit more bothersome with fewer TLs but now with the majority being 5 digits, including store cards, barely take notice and just use it intermittently to keep it active.
IMHO it only becomes somewhat problematic if stuck with a boat load of active low limit cards...one or two can be par for the course for re/building...still sorta wish had app for a cap1 cc for excellent credit and combined limits with the small limit cap1 (i.e. app and combine) a few years ago when they still allowed it; used to be the easiest way to beef up a low limit cap1 CL.
08-17-2012 01:16 AM
Pay the af. If they told you they would credit it back, then they will on the next statement or two.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.