Regular Contributor
Posts: 133
Registered: ‎10-12-2012
Re: Stuck with Cap1 Platinum Visa $500 CL, and $59 AF for 12 years. Help!!!!

Thanks CreditChampion, somotao, and migliogiorni for the info and advice.

 

Questions:

1. When I call/email, is it a hard pull or soft?

2. If I close the card, is my score going to drop drastically? I used to have many cards in the past 12 years with CL going up to 10K, 15K but I closed them all due to charged off yet for some reason this Cap1 card did not bother to drop me. So I kept it. Now, I'm back financially and have been staying on top of things, all of my recent cards are about 1-2 years old.

 

Thanks

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200