To the OP, hopefully your credit doesn't go down the drain for whatever reason in the future because you'll probably end up going back to them for a card and then you will end up loving them again :-). Anyway, yeah close them if you don't need them anymore. Won't be able to get much out of them from what you may already have.

I keep wondering why I still have my $750 Cap One card open. When I called to close it, I was told my card didn't have an annual fee for whatever reason - since it's a platinum card, the only thing the "senior" account "specialist" could figure out that I signed up under a special promo (which I guess I did since I have an invitation #).

I'm not saying my credit is fantastic, but since I already have two $14k cards and now a new $7k card.. I'm not sure why I keep that card open, even if there's no AF involved.

Capital1 closed my accounts as well/3/ accounts.Always paid in full and never late for 3 years with them and they go and terminate my accounts cause i open a autoloan and 3 other credit cards with GE.Thank god i did cause capital one is never a good credit company as far as credit limits go and GE always increase every 4 months with good credit limits.Finally u and me should be glad they close our credit cards with them.

Heck yea the amex is better then capital one.Some loan officer once told  me that having a capitalone in your credit report is looking bad from prime lenders prospective.If you would like to get cli increases on your accounts close Capital1 ASAP

I was about to close my Capital One this month. I did some thinking about why it is that they irritate me LOL.

Then I thought about how alot of folks here react to the way they do business.

I think the mindset is that after you use them as a rebuilder card and restore your credit, one feels like they should be rewarded/recognized for all the hard work it took to get yourself into prime land.

Sort of like a child seeking the approval from a parent...... When it does not happen, one gets peeved

In fact all it is to them is a business model, and they follow it quite rigidly.

Nothing personal, it is what it is.

Still grates you though LOL

Now that is interesting. I called in to the customer service line on my card and they did not hesitate to waive both of my AFs last month. I have had both cards for over two years now and have never missed or had a late payment. That was the easy part getting a CLI was some work. Eventually I got them to raise the CL both accounts,

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Starting Score: 565
Current Score: 660
Goal Score: 780

well in all due honesty they were probably looking at your account history, and you guys were probably only occassionally charging a subway sandwich or something.....

since you guys have better cards. They should know who valuable customers are, if your only charging a subway sandwich $5 every few months your only making them about 15 cents and if they mail you a statement it costs them a lot more than that, they would want to cut their losses after all.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

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LOC wrote:

Now that is interesting. I called in to the customer service line on my card and they did not hesitate to waive both of my AFs last month. I have had both cards for over two years now and have never missed or had a late payment. That was the easy part getting a CLI was some work. Eventually I got them to raise the CL both accounts,

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i'm assuming since your scores probably use the card a lot more than the others comparingly

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

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distantarray wrote:

well in all due honesty they were probably looking at your account history, and you guys were probably only occassionally charging a subway sandwich or something.....

 

since you guys have better cards. They should know who valuable customers are, if your only charging a subway sandwich $5 every few months your only making them about 15 cents and if they mail you a statement it costs them a lot more than that, they would want to cut their losses after all.

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With a $500 CL it is hard to put much more then the sandwich through it LOL

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minimock wrote:

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distantarray wrote:

well in all due honesty they were probably looking at your account history, and you guys were probably only occassionally charging a subway sandwich or something.....

 

since you guys have better cards. They should know who valuable customers are, if your only charging a subway sandwich $5 every few months your only making them about 15 cents and if they mail you a statement it costs them a lot more than that, they would want to cut their losses after all.

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With a $500 CL it is hard to put much more then the sandwich through it LOL

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lol but that's a lot of sandwiches though

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758