@mountainmom wrote:I've had this card for 3 years, started I guess as a rebuilder Platinum card. I was upgraded to QuickSilver 1 with a $39 AF.
I tried to have the AF removed when I first PC'd (sometime shortly after QS came out?) my AF is due again this month and I just tried again via chat and they could not do it. I just don't think the fee is worth it. I have a combined 95k in credit lines now. This is my lowest card at 2250 (aside from Target.)
I just sent a facebook message. I think if they don't agree to permanently remove the fee I will cancel. I would have to spend 7800 a year on it to make it better than a no AF 1% card. I don't think that's going to happen since I have so many great reward cards (CSP, Discover, Sallie Mae, BCE, etc) Plus I keep getting preapproved offers for Double Cash, so what good is a 1.5% card if I can get a 2% card?
Should I ask for anything else? I sort of feel like go big or go home!
What is your interest rate on this card?
@mountainmom wrote:17.9%...which I think is somewhat decent for Cap One lol.
It's kind of weird that they just sent me a BT offer 0% 12 months, 3% fee so obviously they want my business to some degree??
Well, there is some benefit then. Although if you draw $2k then your utilization goes through the roof 
I was going to say, if the interest was somewhere below 12% that might offset some of the AF, but, no, not so much anymore.
If you can get BT offers and use $1k per year for BT, maybe it is worth it to hang around and see what develops later, consider the $39 part of the annual interest, which would become something like 7% APR, adding in the 3% fee. Not too shabby.
