Changing to No fee Credit Card
Author: zach383z
Posted: Thu Aug 24, 2006 11:26 pm
Post subject: Will capital one change cards to no fee?
I have a capital one platinum with a weak $500 limit and a $40 yearly fee. My question is, will they just switch me over to a card with no fee or do I have to cancel? I am just wondering if anyone could get them to switch cards for them?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Thu Aug 24, 2006 11:34 pm
Post subject: Re: Will capital one change cards to no fee?
Quote:
"zach383z"
I have a capital one platinum with a weak $500 limit and a $40 yearly fee. My question is, will they just switch me over to a card with no fee or do I have to cancel? I am just wondering if anyone could get them to switch cards for them?
APPLY FOR ANOTHER CARD FIRST
If you get approved move the $500 to the new account and close the old account
YOU LOSE AGE
YOU GET 2 or 3 HARDS FOR THE NEW ACCOUNT
BUT YOU LOSE THE ANNUAL FEE
Author: mouse
Posted: Thu Aug 24, 2006 11:47 pm
Post subject: Changing to No fee Credit Card
There is a VERY SLIGHT CHANCE that they may just dump the annual fee
VERY SLIGHT CHANCE
Author: hdporter
Posted: Fri Aug 25, 2006 2:22 am
Post subject:
We successfully obtained the removal of my wife's fee from her 3 year old, 12.9% F, $1250 CL account. She requested a one time waiver and they responded by removing the fee altogether.
On my account, they've been willing to waive the fee this year and last, but not permanently (the account is 4 years old). I was surprised that when this account was "upgraded" to a No Hassle account (CL incr fr $500 to $2000) earlier this year that the fee remained on the account. They still wouldn't remove the fee permanently when it renewed in July. Two years ago, when I first requested the fee removal, they refused, but countered by reducing the interest rate from 12.9% F to 9.9% F.
Author: kellyashleymandy
Posted: Sat Aug 26, 2006 4:59 pm
Post subject: Changing to No fee Credit Card
Capital One will not drop your annual fee, you can apply for a different card with no annual fee and if approved then you can call to cancel or NOW!!! you can consolidate the accounts into one.
This is new...
now you can have more that one account with capital one and have them consolidated into one therefore having more credit limit. That goes for HSBC and orchard and Household bank apply for 2 and then consolidate them and get the combined Credit limit with only one annual fee
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Thu Aug 24, 2006 11:26 pm
Post subject: Will capital one change cards to no fee?
I have a capital one platinum with a weak $500 limit and a $40 yearly fee. My question is, will they just switch me over to a card with no fee or do I have to cancel? I am just wondering if anyone could get them to switch cards for them?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Thu Aug 24, 2006 11:34 pm
Post subject: Re: Will capital one change cards to no fee?
Quote:
"zach383z"
I have a capital one platinum with a weak $500 limit and a $40 yearly fee. My question is, will they just switch me over to a card with no fee or do I have to cancel? I am just wondering if anyone could get them to switch cards for them?
APPLY FOR ANOTHER CARD FIRST
If you get approved move the $500 to the new account and close the old account
YOU LOSE AGE
YOU GET 2 or 3 HARDS FOR THE NEW ACCOUNT
BUT YOU LOSE THE ANNUAL FEE
Author: mouse
Posted: Thu Aug 24, 2006 11:47 pm
Post subject: Changing to No fee Credit Card
There is a VERY SLIGHT CHANCE that they may just dump the annual fee
VERY SLIGHT CHANCE
Author: hdporter
Posted: Fri Aug 25, 2006 2:22 am
Post subject:
We successfully obtained the removal of my wife's fee from her 3 year old, 12.9% F, $1250 CL account. She requested a one time waiver and they responded by removing the fee altogether.
On my account, they've been willing to waive the fee this year and last, but not permanently (the account is 4 years old). I was surprised that when this account was "upgraded" to a No Hassle account (CL incr fr $500 to $2000) earlier this year that the fee remained on the account. They still wouldn't remove the fee permanently when it renewed in July. Two years ago, when I first requested the fee removal, they refused, but countered by reducing the interest rate from 12.9% F to 9.9% F.
Author: kellyashleymandy
Posted: Sat Aug 26, 2006 4:59 pm
Post subject: Changing to No fee Credit Card
Capital One will not drop your annual fee, you can apply for a different card with no annual fee and if approved then you can call to cancel or NOW!!! you can consolidate the accounts into one.
This is new...
now you can have more that one account with capital one and have them consolidated into one therefore having more credit limit. That goes for HSBC and orchard and Household bank apply for 2 and then consolidate them and get the combined Credit limit with only one annual fee
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:21 AM
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