should i cancel cap 1

[juggalo9er]

2 years post ch.7 discharge , obtained a cap 1 secured immediately out of discharge. the annual fee comes due in a few days, should i cancel?

1 revolving loan car 1 year old

2 nd cap one card 5 months old

barclay less than 1 month old...not worried about util sorry for grammar typing this on a touch screen its terrible to say the least

[buildafico]

IMHO I'd keep that card another year because AF is low, and who knows if that Barclay Card will be there lol I have a credit one card that I'll ditch after the Barclays 6 months of dread is over.

[juggalo9er]

sadly i can not even remeber what the af is lol

[buildafico]

I think its around 30. 29 I'm pretty sure, but for that you may as well keep it as insurance just in case Barclays decides to close out your account. Just my 2 cents

[coldnmn]

Contact Cap1 and tell them that your thinking of closing the card. Ask them 7f they will wave the annual fee. A lot of people have had success getting it waved.  

edit: also ask if there are any upgrades available for either card.

[juggalo9er]

@cold tried it they would not budge even e mailed eo office...recieved no response

[buildafico]

That's why i love this board, great advice. Call them again! Sometimes you just get someone having a bad day.

[coldnmn]

+1 call new day new person you never know until you ask. One thing I've learned here be persistent. 

[juggalo9er]

any point in trying the online chat and i should add i plan on buying a house in 3-5 months

[buildafico]

No call em, the online chat staff is very, umm, rehearsed? You'll just go in circles with them as they tell you basically nothing lol