Closing Cap 1 Secured

[OneDay_750]

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@GooseGirl wrote:

When you are close to your 1 year you could call and see if they would waive the annual fee. Even if they don't, I would still pay the $29 and keep it open for 1 more year for maximum scoring benefit. I have definitely paid $29 for worse reasons

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MyJourney:  No, I have not contacting them yet, but based on this forum, Cap 1 has a terrible record for waiving AFs.

GooseGirl:  You and others make a good point.  I have wasted $29 on worse things, so I will hide the CC in my drawer until it's 2 yrs old.  Thank you everybody.

[myjourney]

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@OneDay_750 wrote:

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@GooseGirl wrote:

When you are close to your 1 year you could call and see if they would waive the annual fee. Even if they don't, I would still pay the $29 and keep it open for 1 more year for maximum scoring benefit. I have definitely paid $29 for worse reasons

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MyJourney:  No, I have not contacting them yet, but based on this forum, Cap 1 has a terrible record for waiving AFs.

GooseGirl:  You and others make a good point.  I have wasted $29 on worse things, so I will hide the CC in my drawer until it's 2 yrs old.  Thank you everybody.

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Buzzz wrong answer Lol

Seriously tho Cap1 is quick to waive a AF and I haven't seen many cases where they didn't do it while on the phone...

It never hurts to ask trust me they waived mine and added rewards before I even got off the phone....Pls ask them first...Deal? 

[OneDay_750]

Deal!  Did you call their backdoor number to request the AF waiver or just the regular CS #?

[myjourney]

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@OneDay_750 wrote:

Deal!  Did you call their backdoor number to request the AF waiver or just the regular CS #?

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Neither the best way to go is 

FB message 

or 

Email to EO 

https://www.google.com/webhp?sourceid=chrome-instant&rlz=1C1LENN_enUS462US462&ion=1&espv=2&es_th=1&i...

1st one on the list 

No personal info just name and number you can be reached at if emailed and subject of concern (AF) 

Good luck

[buildafico]

I forgot to cal EO to have fee waived, and they automatically gave me a discount.

[OneDay_750]

UPDATE:

So, what are the odds that while I'm trying to close my CAP 1 CC, I get an email that reads:  "We’d love to hear your feedback regarding your recent credit line increase. "

SAY WHAT?!?!  Now my CL is a whooping $550.  They gave me a $300 CLI.  I feel bad   LOL

[myjourney]

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@OneDay_750 wrote:

UPDATE:

So, what the odds that while I'm trying to close my CAP 1 CC, I get an email that reads:  "We’d love to hear your feedback regarding your recent credit line increase. "

SAY WHAT?!?!  Now my CL is a whooping $550.  They gave me a $300 CLI.  I feel bad   LOL

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The CAP1 Gods heard you Lol

Congrats 

[OneDay_750]

BTW, which of the CapOne FB page should I message about the AF waiver?  They seem to have several.  Thank you.

[SamsungHDTV]

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@OneDay_750 wrote:

BTW, which of the CapOne FB page should I message about the AF waiver?  They seem to have several.  Thank you.

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I also have a CapOne secured card a little over 2 years old now. Glad I'm lurking today, I wouldn't have known to ask for a waiver. I might just keep it an extra year if they waive it come next april when I was planning to close out.

Also, $29 versus an unknown amount but some benefit on score. I think you're fine even if you close early. You have great cards/limits, they'll age. On the flip side, yeah its only $29. Then again, could be saving $29.

[myjourney]

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@OneDay_750 wrote:

BTW, which of the CapOne FB page should I message about the AF waiver?  They seem to have several.  Thank you.

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Pretty sure they all lead to the EO

Good luck