I Have a question AMEX CITI & CAPITAL ONE...

[Anonymous]

So I have a Capital One Platinum $300 CL I just oppened in April. Which I buy something and the limit is full plus no rewards!  

I just got approved for CITI Thank You card CL $3k and CITI DIVIDENT for another $3k CL I also have  AMEX BLUE with $1.5k CL 

Should I close my Capital One card? Or leave it open? Any suggestions thanks  

[MissCredit9]

Is it a secured card? if so close it without hesitation. If not then think it over for a second, and then close it.

[SnackTrader]

Bad advice from misscredit. We need more information.

Does it have an AF? Do you have any baddies? Did you have any credit cards before the Capital One card? Have you tried calling the EO?

[Anonymous]

There is AF of $19 dollars. I have no Baddies. I did not have any credit cards before this Capital One. Only an auto loan. What is the EO? I just called the number on the back of the card and asked if I can change to a rewards card they said im not eligible at this time. I wont get billed the AF till next year May. But with only $300 on this card should I just close it then? What you guys think? 

[SnackTrader]

Search "Capital One EO" on this site or on google. You will find all sorts of ways to get a higher level of customer service. Many members of the forums have reported getting the AF waived and getting rewards added. Since you have a very short credit history, I think it would be in your best interest to leave it open IF you can get the fee waived. It might take a few phone calls, but once that fee is waived, you'll have a tradeline that can help you build a long history.

But hey, if you just feel like closing the card, no one here is going to stop you. I just personally think there are ways to approach this card that will make you happy without closing it.

[Anonymous]

Use it a lot between now and your 6th statement & see if any magic happens. If not, feel free to do whatever you like. If you keep it, you can have the AF waived.

[djc1puno]

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@Anonymous wrote:

So I have a Capital One Platinum $300 CL I just oppened in April. Which I buy something and the limit is full plus no rewards!  

I just got approved for CITI Thank You card CL $3k and CITI DIVIDENT for another $3k CL I also have  AMEX BLUE with $1.5k CL 

Should I close my Capital One card? Or leave it open? Any suggestions thanks  

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since you're approaching you're 6 months, and i'm sure you're enrolled in credit steps program, wait to see if they give you a cli...depending on how you've been using your account and payment, they should cli to at least the 500 (i started from 300 in feb and got a 2K cli just a few weeks ago)...and since you're not paying for AF just yet, wait until at least when it hits 1 year before deciding to close it...also, on your sixth month, ask for them to add a rewards to it...such as miles or cb...i did this as well and they approved it...EO is the way to go

[djc1puno]

PM sent

[Anonymous]

Is there a number for EO? and yes i am in credit steps she said if i pay on time i will be upgraded to $500 CL woo hoo! lol

[SnackTrader]

Do some research with the search function and you will find how to contact anyone you want.