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Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

See ya Cap 1

Just closed one of my 2 capital one accounts. This one is my oldest, but carries the 3 dollar monthly fee.  They wouldn't waive it so bye bye. Kept my 750 limit one for now. Instead of shredding it I have created a framed collage of my discharge paper form 2006, various collection letters (all paid), pic of our old crappy rental, our clear to close letter, and this card. It has been a long road that I hope to never travel again!!!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: See ya Cap 1

Congratulations on moving forward! I know that rebuilding can be tough, but time coupled with good credit behavior heals the wounds. Good for you, and best wishes on your continuing credit journey.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: See ya Cap 1

WTG!

I should have done that collage, nice idea!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

Re: See ya Cap 1

I did call the exec office on my second account. Very nice man. Actually nicer than Barclay's and that's saying something!  We shall see about the outcome!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: See ya Cap 1


bbb3601 wrote:

I did call the exec office on my second account. Very nice man. Actually nicer than Barclay's and that's saying something!  We shall see about the outcome!


Fingers crossed!!!

 

Almost everyone has had success with them, it may start to wear off here soon with the amount of calls they're getting.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

Re: See ya Cap 1

the call was very interesting. he did share some info but who knows if you can believe it. he stated thta they have been in the process of revamping their credit increase system, and that front line csr's and the system will not give a cli no matter who you are. this new system will be ready soon whatever that means. i feel after buying hsbc they are going to get in the game of serving the middle of the road consumer, but they just dont know how to do it yet. I can only imagine how long it would take to build a system. i look for big changes at cap 1 soon.  he admitted they have a flawed system and are looking to retain customers after the rebuilding process. this can only be a win win for consumers. I actually like their product.............but we shall see!!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: See ya Cap 1

Congrats and Im sure its a great feeling to be moving on.

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: See ya Cap 1

I will say I'm pleased with my how my situation was handled, and hope its a sign of what's to come from Cap1.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
localuser
Posts: 167
Registered: ‎09-07-2012
0

Re: See ya Cap 1

Sounds like I signed up for Cap1 just in time :smileywink:

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: See ya Cap 1

Love to hear the success stories from credit repair ot home ownership :smileyhappy:

 

 





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