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    • FluroFrancis
    • By FluroFrancis 13th Oct 16, 11:13 AM
    • 32Posts
    • 5Thanks
    capital one - existing customer deals?
    • #1
    • 13th Oct 16, 11:13 AM
    capital one - existing customer deals? 13th Oct 16 at 11:13 AM
    had the card for years, limit over 2k just owe about 300 squid (35% apr I think) which can probably pay off in the next couple of months or might balance transfer elsewhere, is it worth phoning them to a try get a deal, either now to reduce the apr or maybe when its cleared to get a balance transfer offer to clear one of my other cards, anyone got any thoughts?
Page 1
    • theburningcat
    • By theburningcat 14th Oct 16, 8:33 PM
    • 189 Posts
    • 54 Thanks
    • #2
    • 14th Oct 16, 8:33 PM
    • #2
    • 14th Oct 16, 8:33 PM
    I got a Classic card when I was 18 (~7 years ago). It was 30% then and I had a 200 limit. It was increased to 800 without me asking around the time I started to pay the balance in full every month. About 6 months later, they increased it again to 1500 odd and added 0.5% cashback, again without me asking.

    A few months later, I knew I could get a better deal with another company so I called them, expecting them to make some effort to retain my business. They didn't make any effort at all - they just asked me if I wanted to cancel and cancelled it right away.

    So I would say you might get something from them, but not by asking!
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