What is the best method to try to get a PC out of Cap One, and does anyone know what my chances are of them actually going for it since the web portal always says no offers available.
I have had a Platinum VIsa with the $39AF since ~2004, when I was still in college for the first time. 2k CL. Its one of my older accounts so I would like to keep it open, but the card is crap, and I hate AF cards. Was thinking of trying to get a PC (and maybe a CLI) to Quicksilver for some rewards, or even just to platinum prestige to get rid of the AF. I haven't even used this card since ~July '12 because it has the highest APR (~22%) and no rewards to speak of.
To give an Idea of the rest of my portfolio:
760 EX (Discover 7/17/13)
749 FAKO (CreditKarma)
Amex BCE (8.5k Initial 7/17/13)
Chase Freedom (4k Initial 7/17/13)
Barclay uPromise (5k initial 7/17/13)
Discover IT (5.5k Initial 7/17/13)
(Yeah Just did an app bomb when my credit recovered from an unemployed period, no missed payments but util went to ~75% back to 1-4% now)
Amazon Store (1.2k Initial 10/12ish)
Sams Club Store (1.2k)
Chase Amazon (2k)
Capital One Crap (2k)
Local Credit Union Visa ($500 should likely try to CLI this one eventually, got it when I was 17)
Also have a car loan (25k initial ~8k left) and Student Loans (~18k, in deferment) and some small closed (paid) personal loans going back 10 years
Income is in the mid 50ks
On a Side note for anyone still reading, AMEX 3X CLI, with a 8.5k initial would A) be a pretty high amount and B) put me over the 25k Review limit. Should I just ask for 20k and see what they come back with, even that is pretty high, but might be nice to have.
