Established Contributor
Posts: 803
Registered: ‎05-16-2012

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.



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 Smiley Wink

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050