More Cap1 difficulties

[myjourney]

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@sunkissed wrote:

I have read countless posts about successes after contacting EO.  I’m fairly confident they’ll resolve my issue.  I’m not certain if, while I have their attention, I should also ask for a better CL.  I don’t want to seem pushy or greedy.  I really just don’t want to pay an annual fee anymore.  I’ve paid it for a decade and without the benefit of rewards.

Plan B: I just moved my banking to PNC.  I believe I can get 1.75% cashback with no annual fee there.  I’ll head over to my branch if things don’t go my way with Capital One.

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By all means ask for a CLI, INT% reduction, add 1 .5% rewards if it doesn't have it now

[sunkissed]

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@myjourney wrote:

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@sunkissed wrote:

I have read countless posts about successes after contacting EO.  I’m fairly confident they’ll resolve my issue.  I’m not certain if, while I have their attention, I should also ask for a better CL.  I don’t want to seem pushy or greedy.  I really just don’t want to pay an annual fee anymore.  I’ve paid it for a decade and without the benefit of rewards.

Plan B: I just moved my banking to PNC.  I believe I can get 1.75% cashback with no annual fee there.  I’ll head over to my branch if things don’t go my way with Capital One.

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By all means ask for a CLI, INT% reduction, add 1 .5% rewards if it doesn't have it now

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Thanks for the encouragement.  I will!  I do have the rewards already.  Just got that last month.  I'm not certain how much of an increase I'll ask for just yet.  I suppose I have time to think over the weekend.  My interest rate is currently at 13.9

[myjourney]

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@sunkissed wrote:

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@myjourney wrote:

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@sunkissed wrote:

I have read countless posts about successes after contacting EO.  I’m fairly confident they’ll resolve my issue.  I’m not certain if, while I have their attention, I should also ask for a better CL.  I don’t want to seem pushy or greedy.  I really just don’t want to pay an annual fee anymore.  I’ve paid it for a decade and without the benefit of rewards.

Plan B: I just moved my banking to PNC.  I believe I can get 1.75% cashback with no annual fee there.  I’ll head over to my branch if things don’t go my way with Capital One.

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By all means ask for a CLI, INT% reduction, add 1 .5% rewards if it doesn't have it now

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Thanks for the encouragement.  I will!  I do have the rewards already.  Just got that last month.  I'm not certain how much of an increase I'll ask for just yet.  I suppose I have time to think over the weekend.  My interest rate is currently at 13.9

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Think big CLI because they will counter offer

Good luck 

[sunkissed]

UPDATE:

Logged into my CapitalOne account.  There is a member fee adjustment that posted 26Oct reversing the annual fee.

I have not been contacted at all.  No email or phone call.

I did, however, get an email over the weekend inviting me to take a survey to rate my experience with their customer service on my most recent call.  I took the survey and respectfully expressed my dissatisfaction with the inconsistent answers received from Cap1 CSRs.

I am not sure which action spurred my fee refund – EO email, survey submittal, or just dumb luck.  Regardless, I got what I was seeking.

I do not expect any contact from EO, now that my problem has been resolved.  However, I will update this post if I hear from them.

Thanks again to all for your concern and encouragement.

[dallasjetfan]

Now that I have so much credit and Cap One is such a pain to deal with, I will be closing this account.  My CU continues to grow with me, Barclays also, and just was approved for first real "prime" card with a Citi Simplicity!!

[dallasjetfan]

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@dallasjetfan wrote:

Now that I have so much credit and Cap One is such a pain to deal with, I will be closing this account.  My CU continues to grow with me, Barclays also, and just was approved for first real "prime" card with a Citi Simplicity!!

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Well, I just received a call from EO and he said they will do a manual review.  I asked for my CL to be increased from $5000 to $10K.  He said if they weren't able to increase full amount would I accept a partial increase.  I said maybe.  He said he would contact me in 3-5 business days.  We'll see.

[sunkissed]

Good luck! I've got my fingers crossed for you

[sunkissed]

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@sunkissed wrote:

UPDATE:

Logged into my CapitalOne account.  There is a member fee adjustment that posted 26Oct reversing the annual fee.

I have not been contacted at all.  No email or phone call.

I did, however, get an email over the weekend inviting me to take a survey to rate my experience with their customer service on my most recent call.  I took the survey and respectfully expressed my dissatisfaction with the inconsistent answers received from Cap1 CSRs.

I am not sure which action spurred my fee refund – EO email, survey submittal, or just dumb luck.  Regardless, I got what I was seeking.

I do not expect any contact from EO, now that my problem has been resolved.  However, I will update this post if I hear from them.

Thanks again to all for your concern and encouragement.

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More News…

So a nice gentleman from EO called me today.   Capital One pulled the online chat transcript and confirmed my claim.  Not only was my fee reversed, but he told me that I will never again be charged an annual fee.

He also asked me if there was anything else he could help me with, so I asked for a $10K CL.  He promised to get back to me in a couple of days with a response.  Of course I would accept any increase they come back with.

I will be sure to update on the outcome.

[09Lexie]

Good luck!

[sunkissed]

Thanks Lexie