Be really careful. Cap1 goodwill waived a bunch of fees for me because they screwed up. But they didn't change the lates. AFter I paid them off, I went to my customer advocate who helped me and she recommended to the credit department to remove a bunch of the lates. Well, they came back and added lates that weren't showing up on my bureau (because they weren't late, but were their tacked on fees etc.) So I went to a supervisor and they changed the data to again erroneously reflect that I went from current to 90 days past day in one month then to 30 days past due, then to current all in a 60 day period.
So.. I wrote to the executive office for relief. Got a bunch of ass-covering up the line and they refused to correct the mistakes, saying it was my fault that I relied on the information from their account representative that I didn't have to pay all the accrued late fees in one month. (they had offered 8 months to pay them, I paid them in 3)
If it can't get worse, then do the goodwill. If there is any way it can get worse, they will likely make it worse.
I had more than $75,000 in a cap1 checking account and generated more than $1,500/month in trading fees with them and it made no difference.
