Quicksilver Annual Fee to Free?

[Anonymous]

My girlfriend has credit scores of 794, 794, and 748. She has been paying an annual fee on this card for a few years, even though her credit is great and she makes close to 6 figures. Her utilization is never above 10%, and she has an AAoA of longer than 6 years. What can we do? Is the backdoor number our only option?

I tried the chat and checking for an upgrade offer but there was none. 

[Anonymous]

New app. Best odds at decent CL.

[Anonymous]

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@Anonymous wrote:
New app. Best odds at decent CL.

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Not a matter of CL, we just don't want it to have an annual fee. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
New app. Best odds at decent CL.

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Not a matter of CL, we just don't want it to have an annual fee. 

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If she is not looking to do a new application, she can actually call and have them switch it to it being free..  There are strong points in her favor as she has good credit and have had the card for a while.  I know someone who did it and it was switched with a simple call...  Give it a shot.

[Anonymous]

Let me know if she's succesful. I've tried doing that but they refused. They PCed me from a card with no rewards to the Quicksilver One but they didn't budge on the fee. I'm planning to close the card before the next fee posts to the account next year.

[Anonymous]

Yes, definitely call EO

[Anonymous]

Email EO to upgrade, or cancel and app new.

[Santi78342]

I didn't have any luck getting them to remove the annual fee when I tried, but they did credit it to me for the year. I'll do this every year and if they won't credit it or remove it completely, I'll close it.

[onstar]

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@Santi78342 wrote:

I didn't have any luck getting them to remove the annual fee when I tried, but they did credit it to me for the year. I'll do this every year and if they won't credit it or remove it completely, I'll close it.

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In 2011, I was able to permanently remove the $49 AF on a Cap One Plat. But it reported as a new TL (showed as the old card closed & new card opened as though I had a new app). Then a few months ago, this card PC'd to a QS (1.5% back; no AF). Same TL. Weird, right?

In 2011, my scores were all in the low 600s. The only other card in my wallet was a Discover card.

[NRB525]

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@Anonymous wrote:

My girlfriend has credit scores of 794, 794, and 748. She has been paying an annual fee on this card for a few years, even though her credit is great and she makes close to 6 figures. Her utilization is never above 10%, and she has an AAoA of longer than 6 years. What can we do? Is the backdoor number our only option?

I tried the chat and checking for an upgrade offer but there was none. 

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OP, you can try finding an EO to talk to, spend time talking to them, perhaps save the AF, or end up finding out there really isn't a path to remove the AF. But why invest all that time for a few dollars a month payoff?

App for a new card, either Quicksilver no-AF 1.5% or Venture One if you want that one. This will re-set GF relation with Capital One, they will get an updated credit report, the CL will be larger, the APR should be good, and no AF. Once she gets the better CL, will wonder why was considering just trying to get rid of the AF.

Or you can go back to trying to find an EO person to talk to and "save" the same AF money.... Her choice.