Author: mouse Posted: Mon May 08, 2006 12:18 am Post subject: Re: amex centurion card
Quote:
"spjoink" Iwas wondering if anybody on this site has this cardan and if so , how they like it? Spjoink
NO
I can't see the logic
$2,500
Author: AJK1535 Posted: Fri May 12, 2006 10:45 pm Post subject: Benefits of Centurion
Mouse:
I know of your love for AMEX credit cards. I carry one myself and love it. I however could totally see the benefits of a Centurion if you travel frequently and are upgraded seats on a plane due to your automatic elite status.
If you don't travel, it's a damned expensive piece of plastic.
Author: spjoink Posted: Sat May 13, 2006 7:56 pm Post subject: Amex Centurion Credit Card Review
and people seem to kiss you @#$ big time, and you get better service.... Had a 18 year old kid come into one of my stores with the back centurion card< his dad gave him one < its made out of titanium , NOT plastic
Author: tonyb Posted: Mon May 15, 2006 8:41 am Post subject:
If you make enough to be offered a black card, the $2,500 is pocket change. I've heard you need to spend $250K *on an amex card* to be invited.
Author: spjoink Posted: Thu May 25, 2006 4:41 pm Post subject: Great Mercedes Benz card issued by Bank of America
Try and apply for this great card < they came a huge credit limit and i am very pleased with them. Its basically a Bank of America creditcard . spjoink
Author: spjoink Posted: Thu May 25, 2006 4:42 pm Post subject:
Sorry about the snaffu...they gave me a great credit line.... spjoink
Author: davidfronue Posted: Thu May 25, 2006 6:02 pm Post subject:
Why Dont you tell up also was this the Visa Singature or the regular one and what is the limit on it.
Oh and also this is just cause I am courius do you own a mercedes if yes which one lol
Author: mgweir21 Posted: Thu May 25, 2006 6:09 pm Post subject:Mercedes Benz Credit Card Review
Yeah SPJOINK.... can you tell us more about the card? Do you have an account at BOA? Credit score and Income?
Thanks man...
I'm a bmw fan, no BMW cards? ha ha
Author: spjoink Posted: Thu May 25, 2006 6:37 pm Post subject: Mercedes Benz Credit Card Review
ok , here we go, I was not approved for the visa signature one but for the regular one ( platinium ) they gave me a C.L of $19500.00 pretty nice to start with , my score was 661 and i only had credit history for 15 months when i applied. I told b of a that my yearly income is $142000.00 and i also told them i have a s500 mercedes Benz . The card got some cool features and you dont need to have a mercedes ....also if you planning to lease one , its very good to start a great history with them. All my friends got high limits on this card as well , just try you will see for yourself!! spjoink
Also, many card issuers don't base their decisions on score only. Some also use an internal scoring method.
Author: QikPass Posted: Sat May 27, 2006 11:46 pm Post subject:
yoou wont know until you apply. They denied me with a 712 score, because i had 3 inquiries on my report within 6 months, said they like to see no more than 2. (1 of these was for a new phone and the other 2 were for a BOA checking and savings account, not applications for credit) so who knows what they look for, just apply...wait for a decision and move on either way.
Author: arahad06 Posted: Sun May 28, 2006 10:44 am Post subject:Lowest Credit Score That a Credit Card Company Will Accept?
no one score can determine that you are gurantteed an approval unless you have the following with heavy exaggeration
Credit Score: 700+ Credit History: 10+ Years Payment In Good Standing For: 5+ Years ABSOLUETLY NO NEGATIVE WHATSOEVER NO RECENT INQUIRIES NO DEBT 0%
Author: Austin Posted: Fri May 26, 2006 4:35 pm Post subject: credit card account sold to another bank ??
Hello folks,
Gotta situation where I hope someone can advice me about legal options
I've had a platinum visa card from Bank A which I had been keeping in good standing since I was issued the card almost 2 yrs ago. About 5 months back, I got a letter from Bank A telling me that they've sold my visa card account to Bank B. Then I got a package from Bank B welcoming me as their client along with a new visa card issued by Bank B which was just a regular visa instead of platinum. They also mentioned that they've third party service that will be taking care of this account, meaning I'll be making payments to that third party instead of directly to Bank B. I was surprised how could they sell an account just like this, and whether there's anything that would make Bank A to first get my persmission to do that. Because in doing so, they've transferred/sold all my personal information (full name, address, SS#, DOB, mother's maiden name etc) to Bank B which in turn gave this info to that third party service.
I argued with Bank A and initially they said that the credit card agreement does mention this clause whereby they can sell the account w/o prior approval from the credit card holder. I reviewed the agreement and couldn't find any such clause and I inquired again with both Bank A, B about it and now they're saying that it doesn't have to be in the credit card agreement, banks just can do it, they don't need any approval from credit card holders. I told Bank B & the thrid party service provider that I can't make any payments to them since I don't consider them the rightful creditors for this account and that this account needs to be reverted back to Bank A before I can start making payments.
My question is, is there really such thing that creditors can sell the credit card accounts w/o actually getting a nod from the card holder and what about all the personal info that they've sold w/o my approval ?? can I go after Bank A and file a legal claim against them ??
Author: fitz75 Posted: Fri May 26, 2006 5:40 pm Post subject:
Who are Bank A and Bank B? It may help you get more solid answers
From my reading, its not uncommon for banks to sell accounts so I would guess that they do have the right to do that.
Not paying your bill isnt going to get you anything but bad credit. I really don't understand your logic of not paying Bank B. You really think they will change your account back to your original bank if you refuse to pay?
Read your TOS really closely. Bank A can make changes anytime all they need to do is send you notice. If you fail to reject the terms its implied consent.
They include extra things with the bills all the time and if you are anything like me, I toss all the extra stuff. You may have missed it.
Author: Austin Posted: Fri May 26, 2006 6:20 pm Post subject: Credit Card Account Sold to Another Bank
Hi fitz, thanks for your reply.
Providian were the actual creditor on this account, they sold it to some GA based Columbus bank which has SST as a 3rd party service provider on this account.
Making changes to the credit card agreement is one thing but selling this account to a different bank is an all together different thing. My point of contention with them is that Providian hasn't been forthcoming in this whole matter. . First they told me that TOS does contain the clause by which they can sell this account. I specifically asked them to send me a copy of the agreement which they did and I just couldn't find any such thing. And when confronted, now they're simply saying that it doesn't have to be in the agreement. Second, how could they be selling my personal info to some other banks, I mean if there was a bank merger, I can understand but now my personal information is floating around to companies whom I didn't consent to provide all that data. And then, this new bank downgraded the account to regular visa instead of platinum even though I had it in good standing with Providian.
Author: fitz75 Posted: Sat May 27, 2006 12:23 am Post subject: Credit Card Account Sold to Another Bank
Well, Washington Mutual bought/merged with Providian. So your issue probably has to do something to do with that.
You can check with a lawyer to see how legal what they did was, but I am betting you won't have any recourse.
If the only difference is the word platinum, I'd keep the account going for the sake of a positive TL. If they changed rates/credit limit for the worst, you can always try to get another card and BT.
AmEx is running 4.99 for the life of the BT with no fee on their Blue Cash cards and I am sure there are some other better ones out there.
Author: jobbaker Posted: Fri May 26, 2006 9:22 am Post subject: "Activating" Replacement Credit Cards
What with all the name changes and bank merges, we have ended up way way, way too many credit cards - few of which we use! I thought that, perhaps, if I did not call to 'activate', it might cause that card to be 'cancelled'.
Unfortunately, it did not work with the one I tried. I called the Customer Service number instead of the 'automatic activation' number and the CR person kindly cancelled it for me ... and I did not have to cut it up and return it.
Aggravating and a nuisance and it easier to just leave them alone. The 'activation' is generally just a ploy to offer unneeded insurances that are good money makers for credit card companies. It seemed a good idea and worth a try.
Anyone have an idea for cancelling unused credit cards?
Author: TomfromCT Posted: Sat May 27, 2006 9:47 pm Post subject: Re: "Activating" Replacement Credit Cards
[quote="jobbaker"]What with all the name changes and bank merges, we have ended up way way, way too many credit cards - few of which we use! I thought that, perhaps, if I did not call to 'activate', it might cause that card to be 'cancelled'.
Unfortunately, it did not work with the one I tried. I called the Customer Service number instead of the 'automatic activation' number and the CR person kindly cancelled it for me ... and I did not have to cut it up and return it.
Aggravating and a nuisance and it easier to just leave them alone. The 'activation' is generally just a ploy to offer unneeded insurances that are good money makers for credit card companies. It seemed a good idea and worth a try.
Anyone have an idea for cancelling unused credit cards?
jobbaker[/quote]
Why?
If there is no annual fee, just keep it for the history.
If some of your card comps have merged, try some consolidations.
Author: Board Monitor Posted: Wed May 24, 2006 3:21 pm Post subject: Pulaski Bank Credit Card Review
This message posted by e-mail request from one of the visitors to our site:
I see you rate Pulaski Bank credit card high for good credit people ... check out this customer service nightmare ... some of their customers' information was compromised (including mine) so to protect us, they blocked our accounts, but could not provide new cards until after the block period expired ... so, for about 10 days or so, me and other customers are without any credit card ... seems bizarre to me ... and to boot, this is during the Memorial Day holiday! I closed my account .... customer service rating - POOR! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
Author: mouse Posted: Wed May 24, 2006 7:19 pm Post subject: Re: Pulaski Bank Credit Card Review
Quote:
"Board Monitor" This message posted by e-mail request from one of the visitors to our site:
I see you rate Pulaski Bank credit card high for good credit people ... check out this customer service nightmare ... some of their customers' information was compromised (including mine) so to protect us, they blocked our accounts, but could not provide new cards until after the block period expired ... so, for about 10 days or so, me and other customers are without any credit card ... seems bizarre to me ... and to boot, this is during the Memorial Day holiday! I closed my account .... customer service rating - POOR!
That is the bank that asks more questions AND requests more documents than when I bought my house!!!
AND ALL FOR A $2,000 CREDIT LIMIT
Author: TomfromCT Posted: Sat May 27, 2006 12:52 pm Post subject: Re: Pulaski Bank Credit Card Review
[quote="mouse"]Quote:
"Board Monitor" This message posted by e-mail request from one of the visitors to our site:
I see you rate Pulaski Bank credit card high for good credit people ... check out this customer service nightmare ... some of their customers' information was compromised (including mine) so to protect us, they blocked our accounts, but could not provide new cards until after the block period expired ... so, for about 10 days or so, me and other customers are without any credit card ... seems bizarre to me ... and to boot, this is during the Memorial Day holiday! I closed my account .... customer service rating - POOR!
That is the bank that asks more questions AND requests more documents than when I bought my house!!!
AND ALL FOR A $2,000 CREDIT LIMIT[/quote]
Pulaski has some greta interest rates - but like squeaky says....they will want MEGA info and might juct come back and tell you you have enough credit and deny or give you a rather paulty limit.
Author: spjoink Posted: Wed May 24, 2006 11:25 pm Post subject: Re: what credit buerau does citi pull for the divident card
[quote="spjoink"]What cb does citicards pull for the citi divident card?? And how high score do i need to get approved? spjoink[/quote]
Author: mgweir21 Posted: Thu May 25, 2006 9:44 am Post subject:
Yeah I would also like to ask this question.....
ANYONE?
Author: herky Posted: Thu May 25, 2006 9:56 am Post subject:
it depends the state you live in. take a look on the credit application thread and find someone who lives in cali who applied for a citi card and see what cra was used.
Author: maddybeagle Posted: Thu May 25, 2006 10:58 am Post subject: What Credit Bureu Does Citi Dividend Credit Card Use?
Author: Board Monitor Posted: Fri May 26, 2006 11:33 am Post subject: Gas Rebate Card Summer '06 Survey- Win $25 Gift Card
Gas rebate credit cards that offer up to a 5% rebate off gas purchases are becoming increasingly popular with consumers. As a result, we are currently researching the effectiveness of consumer credit cards that offer gas rebates:
http://www.surveymonkey.com/s.asp?u=848872106685
Please click here to take a few moments to complete this brief survey for a chance to win a $25 gift card! Limited time offer - this offer expires June 30, 2006.
Thanks in advance for helping us and helping other consumers! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
What type of rate did they give you? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
Author: noidea Posted: Fri May 19, 2006 8:29 am Post subject: State Farm Bank Credit Card Review
i did and didnt find anything i got 0% for 48 months on BT and 7.49 for purchases i payoff monthly so i am not much worried about that but i get points off my insurance bill for all monies spent so if i can save a few hundred dollars on car insurance....doing ok huh?
Author: Polonius Posted: Fri May 19, 2006 8:51 am Post subject:
0% for 48 months on a BT? Incredible. I don't see anything like that on its Web site--and I've never heard of any 0% BT set up that way.
Can you give some more details? Which card was it? Where did you find the application?
I have my auto insurance at State Farm too. But the top rebate is just 1% for the cards on see on its Web site, and I can do better elsewhere.
Capital One 1.99 % APR for Life of Credit Card Balance Transfer
Author: hallous Posted: Wed May 17, 2006 1:45 pm Post subject: CapitalOne 1.99 APR BT for life
I'm curious about how sane this idea sounds.
Does it make since to do a 1.99 APR for life BT of 30000 from my HELOC (at ~7.00 APR) to this capital one card? I just feel kind of uneasy about it because I'm not sure what my payments will look like and how well I can trust Capital One not to change the agreement on me.
Also, the offer states that the BT is fee free.
What do you all think?
Author: XeroK00L Posted: Wed May 17, 2006 2:57 pm Post subject:
Sure, take advantage of a lower APR whenever you can. In the unlikely event that Cap 1 doesn't honor the deal or you don't like the payments you have to make, you can always pay it off with the same HELOC. You have everything to gain and nothing to lose really.
Author: jlrdc909 Posted: Wed May 17, 2006 4:42 pm Post subject:
Ummm, I thought Capital One didnt report credit limits, and if that is true, what is $30,000.00 debt going to look like????
Author: Ira Posted: Thu May 18, 2006 1:51 am Post subject: Capital One 1.99 % APR for Life of Credit Card Balance Transfer
Quote: I'm not sure what my payments will look like They'll look like....well.....payments!
But seriously, minimum will be 2% of principal which would be $600.00 first month. At 1.99% APR you'll start out with a finance charge of just under $50.00 (you do the math if you don't believe me) per month which will raise your initial minimum payment by just under a dollar. Of course you can always pay more than the minimum and thus retire the loan earlier.
My advice: take the money and run.
Quote: I thought Capital One didnt report credit limits, and if that is true, what is $30,000.00 debt going to look like???? It will look like a very low interest $30,000.00 debt. Hey, which is more important, saving a pot of money over the long run or worrying about how that saving will affect some artificial number like a credit score?
To repeat myself, take the money and run! Every time!
