@Dalmus wrote:
@SecretAzure wrote:Still here at $551 CL on my Platinum Secured of almost 6 years. I won't apply for a Capital One and I won't move on and I would love to close it but I know I won't because it's my oldest card. I will keep paying my AF and I will keep sending them chat messages asking strongly to be PC'd and I will continue calling every few months because I know there is something that can be done but they refuse to help me. A mod mentioned earlier in this thread that the EO office would be able to help. They weren't able to years ago and they're even less usable now. The EO now takes you to the same CSR's in India...it didn't used to be this way but it is now. Tried emailing the EO? It now bounces back....that email address for Richard no longer exists.
I totally understand where you're coming from... But closing the card won't hurt your AAoA for another 10 years, and by then, presumably it'll be a minimum impact because all your other cards will be 10 years older, too. I'd just hate to keep paying an AF for a no-frills secured card. The money you save in fees and that $200 deposit you'd get back is SO much more useful to you than the 1% change in your AAoA that you'd see in 10 years.
Who knows... if you call to cancel, maybe you'll get a retention offer to unsecure and PC to something else.
It has been about 2.5 years since i've tried retentions with them...I guess that's one more thing to try. Thanks for the suggestion!
Must garden until 2/1/2022 to hit my goal AAOA. 
@SecretAzure wrote:
@Dalmus wrote:
@SecretAzure wrote:Still here at $551 CL on my Platinum Secured of almost 6 years. I won't apply for a Capital One and I won't move on and I would love to close it but I know I won't because it's my oldest card. I will keep paying my AF and I will keep sending them chat messages asking strongly to be PC'd and I will continue calling every few months because I know there is something that can be done but they refuse to help me. A mod mentioned earlier in this thread that the EO office would be able to help. They weren't able to years ago and they're even less usable now. The EO now takes you to the same CSR's in India...it didn't used to be this way but it is now. Tried emailing the EO? It now bounces back....that email address for Richard no longer exists.
I totally understand where you're coming from... But closing the card won't hurt your AAoA for another 10 years, and by then, presumably it'll be a minimum impact because all your other cards will be 10 years older, too. I'd just hate to keep paying an AF for a no-frills secured card. The money you save in fees and that $200 deposit you'd get back is SO much more useful to you than the 1% change in your AAoA that you'd see in 10 years.
Who knows... if you call to cancel, maybe you'll get a retention offer to unsecure and PC to something else.
It has been about 2.5 years since i've tried retentions with them...I guess that's one more thing to try. Thanks for the suggestion!
So after being firm with them at the retentions line...he placed me on a 4 minute hold. When he got back he told me that they needed to see 10 months of active, on-time payments before I am considered. He said that because I haven't used my card, they're not showing it as having any activity. He was not the nicest person I have spoken to at Capital One (in fact the Indian people were far nicer) but at least he didn't speak with a heavy accent (trade-off?). So I have to use this horrible card with a toy limit for 10 whole months before they will consider upgrading me? Maybe I will just close it...that's a lot of work. I'm trying to keep my spend on 2 cards and right now I'm stretched over 3 and this would be a 4th. >.<
@Dalmus wrote:
@SecretAzure wrote:So after being firm with them at the retentions line...he placed me on a 4 minute hold. When he got back he told me that they needed to see 10 months of active, on-time payments before I am considered. He said that because I haven't used my card, they're not showing it as having any activity. He was not the nicest person I have spoken to at Capital One (in fact the Indian people were far nicer) but at least he didn't speak with a heavy accent (trade-off?). So I have to use this horrible card with a toy limit for 10 whole months before they will consider upgrading me? Maybe I will just close it...that's a lot of work. I'm trying to keep my spend on 2 cards and right now I'm stretched over 3 and this would be a 4th. >.<
At least they told you what they were looking for this time... They don't need to see MUCH activity... I had the same problem trying to get my Cap 1 Sony card to get a CLI. I tried the one month, and they denied me because I hadn't shown recent activity. I put $40 on it for dinner one night and then paid it off immediately... after the statement cut, I tried again and they gave me $500. You could satisfy their requirements by throwing $10 on once a month and paying it off right away.
But that's a lot of work to keep a card with a toy limit just to get it to graduate when you've already shown you can manage the card.
If it were BoA or Discover, I'd say you should play their game. They are known to grow graduated secured cards nicely. Cap 1 is another animal... they put your card into a bucket and its VERY diffucult to get out of it.
The worst part is I've made a dozen calls and chat sessions and this is the first time A) that I get someone in the US and B) that gives me useful information like this.
Why should I have had to call this many times to get some information? Their customer service is abhorant. This guy wasn't even polite but gave me the information (eventually).
@HeavenOhio wrote:
@SecretAzure wrote:
So after being firm with them at the retentions line...he placed me on a 4 minute hold. When he got back he told me that they needed to see 10 months of active, on-time payments before I am considered. He said that because I haven't used my card, they're not showing it as having any activity. He was not the nicest person I have spoken to at Capital One (in fact the Indian people were far nicer) but at least he didn't speak with a heavy accent (trade-off?). So I have to use this horrible card with a toy limit for 10 whole months before they will consider upgrading me? Maybe I will just close it...that's a lot of work. I'm trying to keep my spend on 2 cards and right now I'm stretched over 3 and this would be a 4th. >.<That's interesting about the 10 months of usage. I wonder if that will help those of us who have QS1 cards that we haven't been able to PC into QS.
I have two old QS1 cards that have frequently gone for months without usage, mainly because of their low limits. A couple of years ago, I had a third annual fee card. I was able to lose the fee on that one, possibly because it was getting regular use due to its much higher limit.
I did get CLIs on all the cards in January, though, making the low-limit cards a bit more usable. Mostly by accident, each of them have been used for the past seven months. Given this information, I'll keep using them and see what happens. Rewards are the same as on my QS, so I'm not losing anything that way.
Lets see if this works...I'm going to actually...*sobs* try to put spend on this reward-less, horrible, toy limit, ugly card...and have it take room in my already cramped wallet (it's full but not of money, don't worry...mostly junk and membership cards).
I have a question for people who got the CapOne credit steps.
My credit steps increase happens in june or july, and I've been able to request a CLI for about a month now, but it's only for $100. I know it's a rebuilding card and won't grow too much and I will probably have to dump it down the road, but I'm wondering if people ever saw a better CLI offer than what CapOne first gave them? If I might get a better offer in a month or two but still before the credit steps, then I'll just wait and keep declining the $100, but if that's the best that it will be then I will take it before the credit steps kicks in.
If it matters, I've been running between $2,000 and $3,000 through the card every month with multiple payments since it's only a $500 limit. It has never reported more than $10 on a statement.
