Painted nails and New $2000 limit credit card! Neat Receipt on the way!
Happy valentines day to me.
Capital One is so last year.
(Haha… because last year, I got my first credit card with Capital One… But… yeah.)
Oh, followers; don’t close credit cards if you can help it. If there is a yearly fee you don’t want, think about whether you earn it back in rewards or not. If the rewards aren’t worth having that credit card, call the card company and ask to change your product. (Each company may have a different word for it, but Capital One and Chase call is that.)
You can go online and see what cards they have available, narrow it down with any features the site may have to pick out the card you would like and a second choice. If you see a card with any bonuses, do know that to get those, most of the time, you have to apply for that card. This would mean year of no interest, balance transfers with no fee and/or interest, etc. Then, call the number on your card.
Tell them you would like to change your card to one without a fee, or one with a better reward system, fillinwithwhateveryourreason, etc. BE WARNED: you might not get the card you want, but looking before hand gives you an idea of the cards your company has!
If they have the one you want available, great! If not, the representative should ask what you want in a card. If s/he doesn’t, don’t be afraid to say, “I don’t want a yearly fee!” «Bonus tips for the readers: If you forget to close before it is assessed that nasty, yearly fee, fret not! Some companies will waive the fee for you if it is within so many days. BE WARNED: you may lose the rewards that you earned during that grace period, but, hey, you didn’t want to pay the fee for that feature anyways.
Closing your credit card closes the history that you have with them too. They are like the super bitchy girls in high school that got so offended that you dumped her that she will forgot who you are. But cards are more literal. And less moody.