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I'm in for a Capital One CLD very soon

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12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon

Received another email from Capital One today which brought a smile to my face.  Also noticed that my card is expiring June 2022.  Started putting spend on the card (i.e. car insurance, Utility, Cell phone, etc...).  I figure I'll let them get a little interest out of me and hopefully that'll keep them at bay.  This may total 4-6k in a year's time.  That's the best I can do since I have to pay these things anyway.  The objective (for me) is not to incur any debt to keep the card, albeit I'll pay a little interest from time to time.  Let's hope that "Thanks for being a Capital One customer.  We look forward to continuing to serve your needs" really means something. Smiley WinkSmiley Surprised  What's in your wallet!

 

Capital One 13.png

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 21 of 75
TryItAgain
Regular Contributor

Re: I'm in for a Capital One CLD very soon


@12njoy wrote:

Received another email from Capital One today which brought a smile to my face.  Also noticed that my card is expiring June 2022.  Started putting spend on the card (i.e. car insurance, Utility, Cell phone, etc...).  I figure I'll let them get a little interest out of me and hopefully that'll keep them at bay.  This may total 4-6k in a year's time.  That's the best I can do since I have to pay these things anyway.  The objective (for me) is not to incur any debt to keep the card, albeit I'll pay a little interest from time to time.  Let's hope that "Thanks for being a Capital One customer.  We look forward to continuing to serve your needs" really means something. Smiley WinkSmiley Surprised

 

Capital One 13.png


You lucky dawg lol.

 

After reading your thread I'm expecting similar eventually on my venture and QS I rarely ever use. 

 

Congrats for hanging on though!

 


 

(Ch7 Discharged 12/12) AvgScore 807

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Message 22 of 75
12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon

@TryItAgain I indeed feel like a luck dawg.  They could have been like zap which seems to be customary these days, but they sent a shot over my bow.  I gotta look at Discover ($47,500), Key Bank ($113,500), Huntington Bank ($77,800) and FNBO ($163,500) because these are all my big lenders with Capital One.  They only see the occassional dinner every other month.  

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 23 of 75
redpat
Senior Contributor

Re: I'm in for a Capital One CLD very soon

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

 

Why won't you let them cut the limit or just close the card?

Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
Message 24 of 75
12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon


@redpat wrote:

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

 

Why won't you let them cut the limit or just close the card?


I remember you.  I'll sum it up, personal choice.  While this may not be your choice in this situation, we are all different in what we are doing with our credit.  No one size fits all.

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 25 of 75
redpat
Senior Contributor

Re: I'm in for a Capital One CLD very soon


@12njoy wrote:

@redpat wrote:

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

 

Why won't you let them cut the limit or just close the card?


I remember you.  I'll sum it up, personal choice.  While this may not be your choice in this situation, we are all different in what we are doing with our credit.  No one size fits all.


Lol, haven't been around for along time.  I guess old dogs can't learn new tricks.

Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
Message 26 of 75
12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon


@redpat wrote:

@12njoy wrote:

@redpat wrote:

Why do you feel you have to pay them interest?  

The card has an AF, so you are will to pay more just to keep a CL you don't even need?

 

Why won't you let them cut the limit or just close the card?


I remember you.  I'll sum it up, personal choice.  While this may not be your choice in this situation, we are all different in what we are doing with our credit.  No one size fits all.


Lol, haven't been around for along time.  I guess old dogs can't learn new tricks.


That trick is credit 101, I'm past that.  Do what is best for you is the name of the game.  My game, my decision.

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 27 of 75
12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon

A leopard can't change his spots

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 28 of 75
Remedios
Credit Mentor

Re: I'm in for a Capital One CLD very soon


@12njoy wrote:

@TryItAgain I indeed feel like a luck dawg.  They could have been like zap which seems to be customary these days, but they sent a shot over my bow.  I gotta look at Discover ($47,500), Key Bank ($113,500), Huntington Bank ($77,800) and FNBO ($163,500) because these are all my big lenders with Capital One.  They only see the occassional dinner every other month.  


 

If you have a BT offer available on your Disco and you don't mind the fee, you could do a small BT, that will keep them happy. 

 

I'm really not sure how CLD happy they happen to be, mine has seen very little use in the past two years, limit is not as high as yours ($25,000) but so far  they left it alone.  

Message 29 of 75
12njoy
Super Contributor

Re: I'm in for a Capital One CLD very soon


@Remedios wrote:

@12njoy wrote:

@TryItAgain I indeed feel like a luck dawg.  They could have been like zap which seems to be customary these days, but they sent a shot over my bow.  I gotta look at Discover ($47,500), Key Bank ($113,500), Huntington Bank ($77,800) and FNBO ($163,500) because these are all my big lenders with Capital One.  They only see the occassional dinner every other month.  


 

If you have a BT offer available on your Disco and you don't mind the fee, you could do a small BT, that will keep them happy. 

 

I'm really not sure how CLD happy they happen to be, mine has seen very little use in the past two years, limit is not as high as yours ($25,000) but so far  they left it alone.  


Wonderful, a voice of reason.  Thank you.  Unfortunately I don't have a BT on the card.  That was my initial thought.   I had them in the past but never used them.  I am just running th through regular bills through card.  If that's not enough then it'll be what it is.  Thanks for your useful thoughts, much appreciated 

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 30 of 75
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