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What can I replace my Capital One cards with?

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Regular Contributor

What can I replace my Capital One cards with?

My NFCU visa card was just increased from $7,500.00 to 15K.  I plan on using this as my main card, as I always pay it off at the end of the month.

 

i also have 2 capital one cards that I like to get rid of as they have low limits(3K between both cards).

 

Any suggestions as to who I should apply  for and might get approved.  I'm almost 4 years post bankruptcy and burned a lot of the big names (chase, BOA, US Bank, GE (although I have 2 GE cards now), Citibank.

 

I also have a visa from my local credit union with a $2,500.00 CL.

 

Equifax score is holding steady at 686. (doesn't seem to want to o up and luckily does not go down)   No lates since bankruptcy.  Alll credit cards clean,  except 9% utility on one.  2 car loans (once from July 2014 and one from April 2014)  Apri'sl loan was already paid  down 33%,  will be completely paid off between March - April of next year.

BK 7 DC'd 10/2010
Scores (03/17/16): EQ: 704 / TU: 725 / EX: 694 / Cap1 QS1: 6.5K / CU: 7.5K /
JC Penney: 10K/ Chevron: 4K / Target: 500 / Macy's 17.2K/ NFCU Sig. Visa Cash Reward:22K / NFCU Flagship 22K/NavChk:15K / NavChk:7.5K(joint)/WF Plat:15K / WF Propel Amex:5K/DIscover 10K/USAA Visa 14K/USAA Amex 14K/Nordstrom 10K/TJ MAxx 10K/BP Visa 6.5K
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Frequent Contributor

Re: What can I replace my Capital One cards with?

Well, assuming everyone you burned tells you to go take a flying &%$@ at the moon--Discover?  A Barclay card?  I agree that unless you have one of their high end Capital One cards with a HUGE limit (and you have no desire for a future CLI), toss the Cap Ones.  Although if you aren't paying an annual fee you can toss them in a sock drawer as they will help your AAoA.  If you close them they will only help for ten years.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.
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Community Leader
Super Contributor

Re: What can I replace my Capital One cards with?

I'd try for discover, and contact cap one EO for cli on the cards, or ask to transfer the credit limit from one over to the other, via EO. Barclays as well, and they are good to recon with.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
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Valued Contributor

Re: What can I replace my Capital One cards with?

Fidelity AMEX or Citi Double Cash would be the obvious choices if not for the burns.

 

For me personaly I would dump Cap 1 whether I had a replacement lined up or not.  Dealing with them simply isn't worth the headache...

 


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Moderator Emeritus

Re: What can I replace my Capital One cards with?


@wacdenney wrote:

Fidelity AMEX or Citi Double Cash would be the obvious choices if not for the burns.

 

For me personaly I would dump Cap 1 whether I had a replacement lined up or not.  Dealing with them simply isn't worth the headache...

 


LOL!   I hear you about CapOne....unless they can do something wonderful with my QS1, I think I'll be stepping away from Cap One (at least with that card)



Start: 619 (TU08, 9/2013) | Current: 793 (TU08, 2/20/20)
AMEX Cash Magnet $49000 | BofA BBR #1 $43900 | Discover IT $39000 | Uber VS $37000 | BoA BBR #2 $31100 | NFCU More Rewards AMEX $25000 | Sam's Club MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $25000 | GS Apple Card WEMC $20000 | Cash+ VS #1 $18500 | Cap 1 QS WMC $17250 | Cash+ VS #2 $15500 | Freedom VS $15000 | JCP $15000 | Target MC $13000 | Citi Rewards+ $12600 | WF Cash Wise VS $12,000 | Chase AARP $12000 | Sony Card $10250 | Amazon VS $10000 | Marvel MC $10000 | Cap 1 SavorOne WEMC $10000 | PPC $10000 | Disney VS $8800 | Blispay $7500 | Cash Back World WMC $3000 ~~
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