Cap1 Platinum Annual Fee?

[Anonymous]

So I've had the Platinum for something like 10 years. Was all I could qualify for back then with pretty bad credit, and my only card til I made the effort to build back up in the last 2 years. 

I've been keeping it since it really helps my AAoA, and has a decent CL of $7k. Just using it for a small purchase every other month.  

But I just noticed....they've been billing me a $19 "membership fee" every october the last 3 years!  It's marketed as a no annual fee card. Right?

Did i just miss some small print?

[Anonymous]

Have you tried the upgrade link for perhaps the QS? Not the QS1 which is a dead end AF card very difficult to PC out of.

[UncleB]

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@Anonymous wrote:

So I've had the Platinum for something like 10 years. Was all I could qualify for back then with pretty bad credit, and my only card til I made the effort to build back up in the last 2 years. 

I've been keeping it since it really helps my AAoA, and has a decent CL of $7k. Just using it for a small purchase every other month.  

But I just noticed....they've been billing me a $19 "membership fee" every october the last 3 years!  It's marketed as a no annual fee card. Right?

Did i just miss some small print?

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There are various 'flavors' of the Platinum; some of the older ones were no-fee/low-APR, while some of the later offers were for a $19 AF with a higher APR.

If the AF has already hit you can call and as for it to be waived (this is only possible once it posts; you can't ask for a waiver proactively).  I would also do as @Anonymous suggested and ask for a PC as well; that would take care of the AF going forward, and would get you some rewards as well.

[Brian_Earl_Spilner]

I just got my AF waived on my QS1. Took 2 days to post.

[Anonymous]

Thanks to all of you.

I'll call up to see about waiving the fee as it just hit last week. And then I'll do a prodcut change to something else.