Considering closing my lowest limit card, Capital One (fomerly Orchard Bank) account.
$300 limit. $39 annual fee. I've tried to get an increase and get rid of the annual fee but have not had success with either. My other Capital One card I've gotten from $500 to $2500 (one increase from Excecutive Office and the other was automatic) and that has no annual fee.
Thoughts? 
I guess I could keep it open but I don't want to pay $39 when the card has no rewards or benefits. Opened the card in 2009. Only have credit history from 2007.
I have decided to e-mail Capital One's executive office to attempt to get an increase and or the annual fee waived. Wish me luck.
@SLR72689 wrote:I have decided to e-mail Capital One's executive office to attempt to get an increase and or the annual fee waived. Wish me luck.
Good luck. If it's a No Go, then I'd ditch it.
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@SLR72689 wrote:Considering closing my lowest limit card, Capital One (fomerly Orchard Bank) account.
$300 limit. $39 annual fee. I've tried to get an increase and get rid of the annual fee but have not had success with either. My other Capital One card I've gotten from $500 to $2500 (one increase from Excecutive Office and the other was automatic) and that has no annual fee.
Thoughts?
I have two of these plus a CapOne issued card. The formerly Orchard Bank cards I just have not been able to get an increase on. The CapOne issued card started at $250, went to $500, $750 and a $1000 after an EO request. I've had the OB issued cards for 7 and 8 years with a perfect payment history.
Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
Good luck, I would also try a PC to the Quicksilver card with rewards.
Well, called Executive Office.
Can't waive my annual fee yearly, but they did credit me back $39 as a "one time courtesy". I'll take it... for now.
My limit only raised $200 to $500 
BUT that happened with my other Cap One card, the limit was raised $200 then a few months later I got an auto increase of $1500. So I'm gonna wait it out and see what happens... and if it's stuck at $500 the next time my annual fee comes, I will cancel it