Starting Score: TU 583, EX 683, EQ 653
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
calihlove75 wrote:Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now. Stuck at $450 and it has a $59 annual fee attached to it.
Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card. They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over. Still a win in my book, as now I don't have to close my oldest credit card.
If you don't get anywhere that way, just try again after the transition.
colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?
Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.
p- wrote:
calihlove75 wrote:Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now. Stuck at $450 and it has a $59 annual fee attached to it.
Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card. They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over. Still a win in my book, as now I don't have to close my oldest credit card.
If you don't get anywhere that way, just try again after the transition.
colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.
hmm thanks for the fast response... Do you think they could change the rewards on my MTV or orbitz card to cash rewards and maybe product change to the playstation card? My fiancée has it and I want it . I exactly use the rewards for that lol
p- wrote:
calihlove75 wrote:Has anyone had luck with a household bank card that Cap 1 took over? I have had it a year now. Stuck at $450 and it has a $59 annual fee attached to it.
Yes; the Cap 1 Executive Office gave my information to the HSBC exec team, who waived my annual fee for life on my Orchard card. They said that until it was converted to a Cap1 product they were not able to PC, and that they couldn't raise the limit until the transition was over. Still a win in my book, as now I don't have to close my oldest credit card.
If you don't get anywhere that way, just try again after the transition.
colindidit wrote:
I emailed last night and have yet to receive a response when's a good wait period?Usually a day or two for contact, instant answer on product changes, rewards, and annual fees, and 3-5 business days on limit increases.
Thanks
I would be happy for them to waive the annual fee for now. I am going to keep it regardless, but I cringe at the very thought of that fee for a useless card without any rewards. However, it is my oldest major credit card on file so I just deal with it, knowing it at least got me where I am 
Omg mostnerve wracking phone call ever...didn't ask me any reason I'd like the increase but asked income investments etc. asked my employment status.. He was very nice though...i won't close if I don't get the increase...but boy do I hope I do... Luckily he addressed it would be a soft pull before I asked.
Edit : I'm worried . My new limits haven't reported to the credit bureau but for the bank of America I just got the statement for today already reported...however that will paid off by the end of this month..I hope they don't see that as a red flag as I just used that to consolidate the little debt I had...and none of the payment I made for this past statement have updated and I paid a significant amount off of each card and the credit liMIT increase I'm sure that those decreased the utilization...I hope they can access that somehow..
