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CapOne Card saved from the shredder

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jamesdwi
Valued Contributor

CapOne Card saved from the shredder

In 4 days my payment for my CapOne rewards card with a $39 AF that hit this month is due, I deciced I was going to give the CSR's one chance to cancel the AF and save the card from the shredder, I asked, and was then transfered to an account speciallist that was actually able to waive the fee. Had the card 2 years no lates on any credit card, no over the limit, clean report currently, I asked for a CLI via the new luv button was given the 7-10 message haven't recieved the letter. If he wouldn't of removed the AF, I would of had him close the account, My PayPal Extras MC, covered up any damage to my UTL when they gave me a $1800 CLI last week. But the CSR stepped up and saved the poor cards life, now I have a year to ponder if I want to contact the EO to PC the card to one without an AF and perhaps a CLI, didn't want to bother with the EO it just wasn't worth the hassle, why beg when I have many other lenders that want my bussiness and give me limits that better suit my needs.

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 1 of 3
2 REPLIES 2
myjourney
Super Contributor

Re: CapOne Card saved from the shredder


@jamesdwi wrote:

In 4 days my payment for my CapOne rewards card with a $39 AF that hit this month is due, I deciced I was going to give the CSR's one chance to cancel the AF and save the card from the shredder, I asked, and was then transfered to an account speciallist that was actually able to waive the fee. Had the card 2 years no lates on any credit card, no over the limit, clean report currently, I asked for a CLI via the new luv button was given the 7-10 message haven't recieved the letter. If he wouldn't of removed the AF, I would of had him close the account, My PayPal Extras MC, covered up any damage to my UTL when they gave me a $1800 CLI last week. But the CSR stepped up and saved the poor cards life, now I have a year to ponder if I want to contact the EO to PC the card to one without an AF and perhaps a CLI, didn't want to bother with the EO it just wasn't worth the hassle, why beg when I have many other lenders that want my bussiness and give me limits that better suit my needs.

 

 


Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 3
KIPPIE12
Established Contributor

Re: CapOne Card saved from the shredder

At least they removed the AF. Alot can happen in a year, and if they don't cli you then, you should close at that time.  Why hold on to a card that doesn't/won't suit your needs. Congrats!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 3 of 3
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