Orchard bank was my first CC I ever came to open in 2010. I was first granted a CL of $300. Not complaining being my first CC ever. After a year I decided to ask for a CLI increase and got bumped up to $400. I continued on building my credit eventually got better prime cards. Starting at the end of last year and every 6 months I began asking for a CLI on my Orchard bank card and kept getting denied for an increase despite me having other CC with much higher limits. So I decided after 2 years of rebuilding it was time to cut loose this card. I know I wouldn't miss a $400 CL when I already have other cards with much better CL's. I didn't want to SD this card because it does have an AF, don't know of how much. So long story short I decided to PIF the last and final payment to this card and wait until the payment post on my account before I call to close the account. Today I get and email alert from Capital 1 saying this is a reminder that a payment is due again this month? I was like "What payment?!" This card is temporary SD until the final payment will be posted to my account. I log on to my account and to my surprise I see a charge for $79.95
For a minute I thought my card was hacked but then I see on my recent statement online that its the Annual fee!! $79.95 on a $400 CL! OUCh!
What should I do? I strongly don't want to keep this card with such a low cl. How can I close the account and not have to pay that annual fee posted on my account. Will these crap 1 rep's be nice enough to remove the AF and close the account or will I be obligated to pay this fee regardless.
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}