Well, I called Cap1's "backdoor number" to request the $39 fee be waived on my Quicksilver card. They refused. I asked to escalate to a supervisor, he refused as well. I've had this card since 2016. Its the first credit card I was approved for post CH7. I use it often for the 1.5% cashback, but I am getting sick of this annual fee, especially since all of my other cards do not charge one.
I have a CL of 3,500. I never keep a balance on it because I pay it off immediately once a transaction posts. Cap1 definitely has the best app. They make it so easy to pay up to 3 times a day, and the cashback is available instantly, unlike some of my other non cap1 cards that make you wait until the end of the month to redeem it.
I have 2 other Cap1 cards with 0 balances, no AF:
Savor 1: 1k CL/2% back at restaurants and grocery stores and 1% back on everything else
Journey: 4K CL/ 1.5 cashback on everything as long as I pay it off every statement period--which I do when I actually use it.
I also have a Synchrony MC with a 0 balance, no AF: 2k CL/2% cashback on everything; however, I have to wait until the end of every statement period and it gets automatically credited to my balance. And they have no app, which isn't a huge issue as I just log into my account on my phone browser.
I have a couple other cards as well all with 0 balances and no AF: Amazon, Paypal credit, etc.
Should I just cancel this Quicksilver card? Paying this AF every year for the last 4 years has really annoyed me. The only reason I see to keep it open is because how long I've had it, but my Journey card was also opened around that time.
