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 
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741