- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
IMO, the only reason to have any CapOne card is to avoid the foreign transaction fees almost all other (except premium travel) cards charge. That's why I have a CO rewards card.
A few years ago I did a BT to a new CO platinum card and subsequently paid it off without incident. That card had a $20k limit. I repeatedly asked them to stop mailing me convenience checks and other junk mail but they wouldn't do it. So I canceled that card.
Then to get some freebie I applied for and got a Sony Rewards card from CapOne. The limit was something less than $10k, I forget. I got the prize and closed the account.
Then I thought that maybe I should have just one plain CapOne rewards card for the reason stated above (no foreign transaction fee). I applied for and got a No Hassle Rewards MasterCard with a paltry $7k limit or thereabouts. I've never used the card. Recently I called and asked them to increase the limit (my lines with other creditors range from $10-40k and all of my credit reports are spotless, so it doesn't seem like an unreasonable request). They actually hung up on me and sent a letter a few weeks later saying that I was denied. The only positive from the experience was they disclosed my credit score from the hard pull they did and it was 790-something, which was a bit higher than I thought it was.
Now I'm just a bit sorry I ever heard of CapOne. I should have just been willing to pay the extra 2-3% if I ever go to Europe again, whatever.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.