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
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350