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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. What's in your wallet!
@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.
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!
@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.
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?
@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.
@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.
@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.
A leopard can't change his spots
@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.
@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