Regular Contributor
pt2005
Posts: 129
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: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300