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Just closed hubby's Cap1 secured card

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Anonymous
Not applicable

Re: Just closed hubby's Cap1 secured card

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Message 11 of 17
grillandwinemaster
Valued Contributor

Re: Just closed hubby's Cap1 secured card


@mrldp40 wrote:

off topic i applied for cap 1 secured denied


Cap1 denied you a "secured" account?? What is on your credit report that scared them that bad?

 

I didn't realize Cap1 denied ANY secured accounts. Granted, I haven't played with secured cards in 20 years. 

 

Really curious as to what's on your credit report, if you don't mind sharing, for the sake of science and all that...


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 12 of 17
Anonymous
Not applicable

Re: Just closed hubby's Cap1 secured card

Just adding to the CSR/forums discussion. DH is a BOFA CSR Supervisor and he doesn't read the forum but he says he has several people a day tell him something they read on a forum. It's entirely possible that the Cap1 CSR has had many people call to ask and argue that they've read on the forum about secured cards graduating.
Message 13 of 17
taekwon
Regular Contributor

Re: Just closed hubby's Cap1 secured card


@Anonymous wrote:

capital one is really on my bad side... when i apped for their secured credit card there was a anual fee. long story short 4 years later of perfect history with them, they only upped my cli once however they refuse to take the "secured" title of my card so 1. i cant request cli's on my own 2. they cant do a product change 3. they refuse to at least waive the anual fee since their new secured cards no longer have anual fees. once i get the 2 cards i want i will definitely be closing them out and taking the hit on the AAOA 


I'm in the same boat you are with my cap1 secured card. I opened mine 3/13, they call it a Platinum now but they won't  PC it and they gave me one cli in four years and I still have to pay the $29 AF. The only reason I keep it open is for the AAOA, it's my oldest card. Is the $29 AF worth keeping the card open?


Starting Scores: EQ 598, EX 566, TU 550, 3/31/13 ....... Goal Score: 830
Current Scores: EQ 845, EX 841, TU 836 ..................... Inq: EQ: 0, EX: 1, TU: 1

Message 14 of 17
rmduhon
Valued Contributor

Re: Just closed hubby's Cap1 secured card

When was your next oldest card opened? Closing it won't affect your AAoA for another 10 years or so.
Message 15 of 17
taekwon
Regular Contributor

Re: Just closed hubby's Cap1 secured card


@rmduhon wrote:
When was your next oldest card opened? Closing it won't affect your AAoA for another 10 years or so.

I only have two open cards, cap1 secured opened 3/13 and cap1 aenture opened 7/16. I have two closed cards on my file boa closed 12/07 and an applied secured closed 9/16. All cards have perfect payment history.


Starting Scores: EQ 598, EX 566, TU 550, 3/31/13 ....... Goal Score: 830
Current Scores: EQ 845, EX 841, TU 836 ..................... Inq: EQ: 0, EX: 1, TU: 1

Message 16 of 17
taekwon
Regular Contributor

Re: Just closed hubby's Cap1 secured card


@rmduhon wrote:
When was your next oldest card opened? Closing it won't affect your AAoA for another 10 years or so.

I only have two open cards, cap1 secured opened 3/13 and cap1 venture opened 7/16. I have two closed cards on my file boa closed 12/07 and an applied secured closed 9/16. All cards have perfect payment history.


Starting Scores: EQ 598, EX 566, TU 550, 3/31/13 ....... Goal Score: 830
Current Scores: EQ 845, EX 841, TU 836 ..................... Inq: EQ: 0, EX: 1, TU: 1

Message 17 of 17
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