What are you doing with your Capital One card ?

guesswho2000

Put it through the shredder, they can have it back! Account CLOSED!

NoviceAngel wrote: »

...but keep for Equifax monitoring...

FWIW, I have CapOne identity alert, with the 2x annual Equifax reports, dating from when they gave it to all cardholders (not just Aspire) - I cancelled my last Capital One card over two years ago now (having held at least one! at any one time, continuously for nearly a decade) and that has stayed active.

r2015

Keep the card but use it much less.

I'll be keeping mine for the 0% foreign spending

What 0% foreign spending?

zerog

r2015 wrote: »

What 0% foreign spending?

The 0% forex fees on purchases that I have on my card, with 0.5% cashback + £10 per year which so far appears to be staying put.

joe134

got M&S 1% on their stores and 0.5% elsewhere. ;to replace my capones;
Never knew anything about free credit checks;;World or Aspire.?
Perhaps, never read T/cs right.

NoviceAngel

Keep the card not use it, but keep it for the extras e.g. Credit monitoring

zerog wrote: »

The 0% forex fees on purchases that I have on my card, with 0.5% cashback + £10 per year which so far appears to be staying put.

There were many incarnations of the card, what's confusing they even had the same name, just different offerings, some paid an annual fee some didn't and some must have offered a zero % f ex.

NoviceAngel

Keep the card not use it, but keep it for the extras e.g. Credit monitoring

joe134 wrote: »

got M&S 1% on their stores and 0.5% elsewhere. ;to replace my capones;
Never knew anything about free credit checks;;World or Aspire.?
Perhaps, never read T/cs right.

Yes, as in the post above free Equifax identity alerts, and 2 free reports a year, I get that with my 'World card' £18 fee and £10 credit for being good and a straight 1% now changed to 0% cash back, no fee and no statement credit. So it's just like any other card, but keeps the Equifax monitoring.

joe134

NoviceAngel wrote: »

Yes, as in the post above free Equifax identity alerts, and 2 free reports a year, I get that with my 'World card' £18 fee and £10 credit for being good and a straight 1% now changed to 0% cash back, no fee and no statement credit. So it's just like any other card, but keeps the Equifax monitoring.

Hi , thanks for that. Believe it or not, I'm 70, and never ever done a credit check on myself. Done the kids/grandkids to sort them out, but, never thought to do my own.Never had any declined, M&S just said, YES, Perhaps a peep at my own, before I cancel my Capone may be worth it.;)

Jennifer_Jane

Put it through the shredder, they can have it back! Account CLOSED!

I'll be closing my Luma card. I already have the two Barclaycards, a Post Office card, and a Laura Ashley card, so I could do with reducing my cards anyway.

NoviceAngel

Keep the card not use it, but keep it for the extras e.g. Credit monitoring

Jennifer_Jane wrote: »

I'll be closing my Luma card. I already have the two Barclaycards, a Post Office card, and a Laura Ashley card, so I could do with reducing my cards anyway.

Good point, I don't think you get the free Equifax reports with the Luma, so there is absolutely no point in keeping it?!?

cse

The plastic they use is just about perfect for making guitar plectrums out of