Ditch Cap One?

[CS800]

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@rbizzle wrote:

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@CS800 wrote:

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@rbizzle wrote:

I really need too, i guess it served its purpose lol  But i could think of a few ways to get rid of it.  Maybe chop it up and throw it into my fire pit while i sit back and drink a cold one! =)

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Or call Cap one to see if they would waive this years AF.

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Yea that doesn't sound nearly as fun as getting rid of it! lol Too bad threats don't work with them like they use to.

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Save the world, feed a shredder your cap one

[LS2982]

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@rbizzle wrote:

So, i'm debating on getting rid of my cap one card.  I've had it almost a year and it only has a $750 limit and a $39 AF.  Not to keen on the AF since they won't increase credit line (already tried)  I do have a several other cards that I would probably just fine without having it.

I have:

NFCU nRewards Visa $10,000 limit

NFCU Cash Rewards Visa $5,000 limit

Chase Slate $3,000 limit

Discover More $1,500 limit

Barclay Apple Card $1,300 limit

Amex Zync NPSL

So after all that i'm thinking it might be time to either sock drawer it or just cut it loose bc i have a hard time justifying the annual on something that will not grow probably until about 10 years from now to $1,000.  Any thoughts?

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Yea I think its time to take Cap1 card out to the pasture and put it out of its misery......

[frogfan12]

Get rid of it. Capital One = lame.

[Anonymous]

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@frogfan12 wrote:

Get rid of it. Capital One = lame.

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I have to disagree  I have a combined $8,900 limit with 3 Capital One cards with no AF 

[Anonymous]

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@rbizzle wrote:

So, i'm debating on getting rid of my cap one card.  I've had it almost a year and it only has a $750 limit and a $39 AF.  Not to keen on the AF since they won't increase credit line (already tried)  I do have a several other cards that I would probably just fine without having it.

I have:

NFCU nRewards Visa $10,000 limit

NFCU Cash Rewards Visa $5,000 limit

Chase Slate $3,000 limit

Discover More $1,500 limit

Barclay Apple Card $1,300 limit

Amex Zync NPSL

So after all that i'm thinking it might be time to either sock drawer it or just cut it loose bc i have a hard time justifying the annual on something that will not grow probably until about 10 years from now to $1,000.  Any thoughts?

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Shred it

[Anonymous]

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@rbizzle wrote:

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@CS800 wrote:

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@rbizzle wrote:

I really need too, i guess it served its purpose lol  But i could think of a few ways to get rid of it.  Maybe chop it up and throw it into my fire pit while i sit back and drink a cold one! =)

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Or call Cap one to see if they would waive this years AF.

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Yea that doesn't sound nearly as fun as getting rid of it! lol Too bad threats don't work with them like they use to.

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Did threats ever work with them? Whenever I called to ditch them, they were only too happy to limit the potential loss of 500 bucks.....it was like thank you for allowing us to keep Crap One the conservative company it is by eliminating that liability sir!

[Anonymous]

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@Anonymous wrote:

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@frogfan12 wrote:

Get rid of it. Capital One = lame.

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I have to disagree  I have a combined $8,900 limit with 3 Capital One cards with no AF 

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And you will get a CLI....when North America is covered in glaciers again.....

[Anonymous]

Ditch the card.

Cap1 doesn't seem prone to graduate customers from whatever tier the relationship began. There's really no point asking them to waive the AF (more than once) or begging for a CLI. If you really, really... Really want a relationship with them simply apply for a newer product after canceling the $750 limit card.

I think there's a point in every rebuilds journey where any credit limit is helpful. Once you're past that, some products don't make sense.

[frogfan12]

Capital One does not believe in extending customers CLIs pretty much ever but has the nerve to feature commercials on TV asking "What's in your wallet?" or talking about "making it rain".  Well, it's most certainly not my Capital One card that's making it rain or ever seeing the light of day. Heavy use of the card doesn't even warrant them giving you a CLI, so I don't even use my card any more. The only reason I keep it open is for the history. 

[Anonymous]

Putting it in the shredder may sound fun, but I have a different plan of attack with my two Crap1 cards.

I'm going to set them up about 50 yards away on a tree, then I'm going to take out my Ruger 10/22 sight them in and put about 12 holes in each one, then I'm going to take my SW 9MM and unload one clip on each card, and if there's anything left, I'll stand about 15 yards away with my Mossberg 12 gauge with 3" 00 buckshot and finish them off!!!

Now that's a proper way to get rid of a Crap1 Card/s.

Disclaimer: Don't try this at home, this will be done by a professional, in a safe environment, no animals will be harmed during this process.