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@Gemini101 Be careful making assumptions. I didn't mention any online forums. The supervisor came up with that claim all by herself! I just said I've heard that they've been graduating account in general, and was simply inquiring about more details and if there was now an official policy. Which I came to find out there isn't one. She told me that there have only been a few hundred accounts that were graduated so far.
@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...
@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?
@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.
@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.