Hey guys I am looking to upgrade my current Capital One Platinum MC and Chase Visa to something more rewarding. The two cards that I have now give me nothing (rewards, cash back, etc) and I have been with both companies since 2006 and 2007 respectively. Here are their limits:
Chase Visa $2k CL (29.99% (v) APR) ($634 Bal)
Capital One MC $2k CL (11.90% P APR) ($934 Bal)
I want to upgrade to Chase Freedom card and how do I go about making that happen? Do I call up Chase and ask for a "product exchange" from my current card to the Chase Freedom? Also, I want a lower APR from Chase because 29.99% is just way too much and IMHO is usury.
As for the Capital One MC which one should I get because looking at their website and current credit cards my current APR is lower than the one's listed online. I was looking at their Cash Rewards credit card with no Annual Fee and the APR is 12.90%
Also I want to get a credit limit increase on both cards and change them to better cards so guys how do I go about doing that? What should I say? Etc....Last month in February 2012 I opened up a secure USAA AMEX card $2500 CL with an APR of 9.90%...
My three credit scores are as follows --> EX (644) EP (650) TU (680)
I look forward to hearing from yous guys about any suggestions you may have for me