Re: CAP ONE EXEC OFFICE!
01-09-2013 02:23 PM
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.
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.
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 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050