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I waited too long and they slapped my with the annual fee. I called up to see if they could retain me. I told them I have other good cards now. Theirs was $520 CL with no rewards and a fat annual fee and my others cards are rewards cards with CL's in the thousands. All they offered me was to half the annual fee. I said KILL IT WITH FIRE! If they could have made it a worthwhile card to keep I really wanted to.
I was actually stupid to not take the half fee deal, pay that and then cancel after a week or so cause now I think I'm stuck with the whole $79 fee. But you know that card did me a great service and I knew I'd pay a price for it so it's a fair cop. It took me from an empty credit file to a 747 score in 2 years for about $300 in fees. Fair enough I guess.
By by Orchard!
AMEX BCE 6K
Chase Freedom 1K
Discover More 1.5K
RIP... On to bigger and better. Congrats!!!
RIP.
Did you give it the proper shredder treatment??
Congrats! It's a good feeling to move on to prime cards and leave the rebuilders behind.
@Funk-O-Meter wrote:I waited too long and they slapped my with the annual fee. I called up to see if they could retain me. I told them I have other good cards now. Theirs was $520 CL with no rewards and a fat annual fee and my others cards are rewards cards with CL's in the thousands. All they offered me was to half the annual fee. I said KILL IT WITH FIRE! If they could have made it a worthwhile card to keep I really wanted to.
I was actually stupid to not take the half fee deal, pay that and then cancel after a week or so cause now I think I'm stuck with the whole $79 fee. But you know that card did me a great service and I knew I'd pay a price for it so it's a fair cop. It took me from an empty credit file to a 747 score in 2 years for about $300 in fees. Fair enough I guess.
By by Orchard!
AMEX BCE 6K
Chase Freedom 1K
Discover More 1.5K
Good call. Never look back!!!
If it's less than 30 days I believe they have to refund the annual fee. Over 30 days out of luck.
hows that work Coldnmn?
It JUST dropped a couple days ago. I JUST cancelled yesterday. Should I expect it to disappear on it's own or do I have to complain yadda yadda?
Anybody else know about this?
Yea I did give it the proper shredder treatment. Cut it up into tiny pieces and burnt it in the fire in the back yard while we made smores No kidding.
Congrats
@LS2982 wrote:RIP.
Did you give it the proper shredder treatment??
ROFLMAO!
I read it on here 2 months after I paid my fee. I closed my account and waited 2 months to be sure I didn't have a balance. If I had known I would have called and closed it within the month. According to what I read had something to do with the new credit card act. I would definitely call them to be sure. I trust the people on this board way more than Orchard.