12-25-2012 06:16 PM
I am still waiting for my Discover to report my 2K CL (card just opened 12/12) so I can close out my Orchard (converted to CapOne) account. They are @ $300 CL for 11 mos. and yet to provide a valid reason to justify their AF, ridiculous APR and low CL (that will NOT budge on that CL in the last 7 months)
My AaoA won't get dinged, but my util will prior to my Discover reporting. I hate this card. Just because they "helped" rebuild, I still wish I wouldn't have used them, nothing even close to redeeming that AF!!!
12-25-2012 06:19 PM
Their primary customer is not one that looks at annual fees versus rewards and other perks. Their primary customer is one that can't get credit anywhere else, and so they have such high fees and APRs and low CL's because their target audience is bad with credit.
12-25-2012 06:29 PM
@sdoonan- in other words, there are used to people who are just grateful to have been approved for a card period, such a shame.
From your siggy you certainly don't look like you need them anymore
Anyway talking about Discover does anyone know how quickly they report or do you have to wait for the first statement?
12-25-2012 06:30 PM
I'm not gonna lie, I was all excited to have an unsecured card in my credit re-building line up but at this point, absolutely NOTHING warrants keeping this card.
12-25-2012 06:41 PM
As mentioned above, there's no point in being angry...it's a waste of energy.
It served it's purpose...close it with a smile.
12-25-2012 06:49 PM
Yes, I am not angry, was just grasping at straws to hang on to this account lol... ain't happening!
12-25-2012 06:50 PM
LOL! No grasping...if they won't waive the AF, I'd just close it and let it go.
12-25-2012 07:44 PM
I am pretty sure my orchard bank and BBRMC are both getting the axe in april. My 2013 goal is no limits under 2k, and i doubt capitol plays ball. they have already lost 4 other cards with me , and will be losing my auto loan soon.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!