Dropping some cards

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
12 posts
Money card
Centurion Member
Centurion Member
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Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Sat Oct 20, 2012 9:43 pm

I can understand you being done with chase( they don't know how to treat there customers) so you have had a few cards for 2-4 years
and you don't like your credit limits, I'm sure there are people on this forum and people out in the world who don't like there limits but they keep there cards. Now if you had a Bank of America card it was 10 years old and you had low limits I can understand you being upset, just because you have low limits now doesn't mean you would always be stuck I'm sure Bank Of America would give you higher limits in the future. Now do you think Capital1 will give higher credit limits and lower interest rates( even if you pay your bill in full there has to be a number on it) from what I've heard everybody on this board say is capital1 is very stingy with there credit lines and interest rates? I'm very sorry to hear about your decision on closing out your Bank of America card. I actually see a lot of people using there card
all over. I can't picture capital1 giving you higher credit limits and lower interest rates?

Centurion Member
Centurion Member
Posts: 494
Joined: Wed Aug 01, 2012 12:04 am
Location: Hawaii

Postby jlam572 » Tue Oct 23, 2012 8:39 pm

Unlike others, my cap one has grown with me...when i was making 8k a year in school my CL was around 300 dollars. It grew with me and is now around 5k. I just paid it off and forgot about it...then i get a letter 2 years later saying that my limit has been increased. My only concern with capital one is that my interest rate is kind of high on it because it was a student card before they upgraded it to a platinum. I have a balance on it because I was surviving on it for a few months :( . So I will try and get them to lower the APR. If they dont, ill just pay it off, and keep the account open. No annual fee, no big deal.

What irritates me is that other cards give me high limits and rewards...and others dont. Cutting the fat...those companies that dont give me anything back dont deserve anything from me.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
Capital One Visa Platinum
Citi Diamond Preferred MC

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