Post subject: Credit Card Interest Rate Problem Guest: Board Monitor Posted: Thu May 19, 2005 1:49 pm
This message posted by e-mail request from one of the visitors to our site:
recently found out my interest on my citi bank card went from 9.9 to 13 per cent i contacted them they had sent me info letting me know my interest rates could go up back infeb i could either close the accountor agreed to terms needless to say i never read it they will not lower my interest rate even though i am never later with my payments with them or anybody else
i really feel they are discriminating against us because we are hispanic and think we are just ignorant. what can i do ? Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314
Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Interest Rate Problem Posted: Thu May 19, 2005 2:53 pm
"Customer service, how can I help you?"
"I'm calling to cancel my account."
"Oh I'm sorry to hear that. Was there some problem with the account?
"Well, I've been a loyal customer for 10 years, and I really enjoy dealing with you, but I just got an offer from Even Bigger Bank which is just too good to pass up.
[Have a realistic number in mind. Don't make it so low that they'll know you're making it up. Mabe just below the rate you used to have.]
"Well let me transfer you to our customer retention Department. They'll be able to help you."
Customer retention will ask you the same basic set of questions. Weave a gloom and doom word picture. Always be totally polite and business like, remembering that these are only people that you're dealing with, not devils. State your case something like this (and pour it on thick):
Hi customer retention specialist____________. I've been a loyal customer for ten years, always paying my bills on time. Truth of the matter is I really enjoy dealing with you folks. You're always helpful, friendly, courteous, and it's been a pleasure dealing with you. However, EVEN BIGGER BANK has been calling me recently and they're offering a much lower rate (tell him what the "rate" is). Your bank recently raised my rate to 13%, and I just don't know what to do. I'm torn between loyalty to you folks and loyalty to my bottom line. Is there anything you can do to make it easier for me to stay with you?
See the difference? You're throwing yourself on the mercy of the court by asking them to help you stay aboard. It's not a threat, it's a negotiating ploy. I've used it in business, and I've had it used on me. It's tough to resist, especially if you get the right department. Also, always call during the day when the "A" team is manning the phones.
They'll probably come back with a lower offer. If you like it, grab it. If it's not low enough, try something like this:
"Gosh that's much more interesting. I'll have to give it serious consideration, but remember that Even Bigger Bank is offering X%. Can you do a little better?"
Let us know how you make out.
Guest: Polonius Credit Expert (100+ Posts) Post subject: Credit Card Interest Rate Problem Posted: Thu May 19, 2005 4:53 pm
Well, stop feeling that way, because it's not true. These decisions have nothing to do with whether you're Hispanic or not. 9.9% to 13% isn't such a big deal; 13% is half what some people here are paying
Post subject: Fixed Rate Credit Card Offers Guest: Board Monitor Posted: Fri May 20, 2005 10:46 am
This message posted by e-mail request from one of the visitors to our site:
Are fixed rates on cards available and who has them?
Can credit card companies change your APR anytime for any reason. And, the purchases made prior to the new APR, are they now collecting the new rate on those, or just the new ones.
What is the best card with fixed rates?
What is the best low rated card? Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314
Guest: nativechild48 Credit Expert (100+ Posts) Post subject: Fixed Rate Credit Card Offers Posted: Fri May 20, 2005 4:29 pm
Bank of America has fixed on their Platinum Visa as long as your acct. is in good standing, and if you already have a variable rate with them in good standing, just call up the CS and ask for a low fixed rate!
Guest: nativechild48 Credit Expert (100+ Posts) Post subject: Fixed Rate Credit Card Offers Posted: Sat May 21, 2005 1:40 pm
Not too bad Curtis; today is our 5th wedding anniversay. Did want to say BOA like to see large payments sometimes and if you pay on time you can ask them and they will be happy to work with you.
Guest: Daniel Post subject: Fixed Rate Credit Card Offers Posted: Sat May 21, 2005 6:11 pm
I agree with Native BofA’s retention group is fabulous and they do like to see capacity to pay in large chunks. I still have 5.99% on purchases on my personal Platinum.
Guest: nativechild48 Credit Expert (100+ Posts) Post subject: Fixed Rate Credit Card Offers Posted: Mon May 23, 2005 12:52 pm
Yeah Daniel still got 5.99 fixed too. BOA gotta love 'em!!!
Guest: Board Monitor Post subject: Fixed Rate Credit Card Offers Posted: Mon May 23, 2005 3:43 pm
Quote: Today is our 5th wedding anniversay.
Quite a milestone...especially these days. Congrats! Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314
Guest: hdporter Post subject: Fixed Rate Credit Card Offers Posted: Tue May 24, 2005 2:59 am
What kind of FICO are we talking about with the extension of a low fixed rate on BA's Platinum?
I expect I'm out of the running with a 710 FICO (a couple of nasties 3-4 years ago and some moderately high balances). But, my score is gradually climbing about 6 points a month, so maybe in a year?
Guest: Daniel Post subject: Fixed Rate Credit Card Offers Posted: Tue May 24, 2005 7:25 pm
I expect I'm out of the running with a 710 FICO (a couple of nasties 3-4 years ago and some moderately high balances). But, my score is gradually climbing about 6 points a month, so maybe in a year?
Mine is around 780 or so but when this was offered it was probably a mid 700. You have to negotiate a little with them so it's a win win situation they are more willing to try and meet your expectations if they believe you will be using their card instead of a competitors.
Also does not hurt if you run large balances thru their card and pay in full a few months before calling.
It’s not all about score alone.
Guest: legitimate user Post subject: Fixed Rate Credit Card Offers Posted: Tue May 24, 2005 7:43 pm
There is NO SUCH THING as a guaranteed fixed card. Even if it's advertised as fixed, there's fine print. FICO score plummets mysteriously? Whoops 29% APR on your "fixed" card. Miss a couple payments in a row? Same deal.
Let me sum up every CC card agreement for you right here: Company can do anything they want.
Once your APR is raised, it affects the balance to which it applies. For example if your APR on purchases is 29%, and you have a 5000 $ purchase balance, it now acrues interest at 29% yearly, no matter when the purchases were made.
Guest: guessindigo Post subject: Fixed Rate Credit Card Offers Posted: Tue May 24, 2005 11:27 pm
This is very, very true.
It is MUCH easier to get a low fixed rate from BofA if your a heavy user of their card.
However, that 5.99% fixed is gone now. If you call retention, you will NOT get that rate. Best you will get now is 7.99% fixed. There was a small window a few years ago and with some arm twisting you could get it.
Call now and there is no way BofA will give you 5.99% fixed rate.
Guest: hdporter Post subject: Fixed Rate Credit Card Offers Posted: Wed May 25, 2005 10:05 am
Thanks for the feedback on conversion to a fixed rate BA and qualifying interest rates. I'll definitely pursue this, although I may wait 6 months. My score is improving steadily by about 6-7 points per month. I'll likely be in mid 700's turf late this yearf as my delinquencies continue to age and fall off.
On the subject of the impact of account interest rate changes -- There's one aspect that's generally not well understood.
If the creditor's change in determination of your interest rate represents a change in account terms, in response to changes in marketing strategy (and not due to adverse credit history on this account or others), you have the right to opt out of the change in account agreement.
This will effectively close the account, however, you'll be able to continue to repay any outstanding balance under former terms. (Capital One may be a rare exception to this since they require you to repay the balance in full on some account types in order to close an account.)
However, speak to account retention. There's a good chance you can negotiate a lower rate in order to keep your account active.
On the other hand, if the change in rate is due to the triggering of a penaltyrate due to account delinquencies or new adverse credit history on your credit report, this is not a change in account terms and there is no way to avoid the rate increase short of paying the account in full.
Your notice of rate change will advise you if there is an opt-out option.
Post subject: American Express Blue Credit Card Review Guest: annasky Posted: Wed May 18, 2005 2:19 am
I had just received the amex gold card yesterday and I'm wondering if the amex blue might actually be a better card. Which one is easier to get and is it possible for me to switch from gold to blue?
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 18, 2005 7:05 am
Trade GOLD to BLUE...NO
One is "CHARGE" one is "CREDIT"
You can apply
Guest: annasky Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 18, 2005 12:50 pm
yes im aware of which one is the charge and credit card. But I've read from other posts that chrage cards don't really do anything for credit ratings since it doesn't display a limit (which btw I heard the no preset CL is bogus cus they really do set a limit for you without telling you and once you've charged up to it, they tell you to pay some of it off before anymore usage) . So why should I pay $90 a year to keep a card that won't help with my credit and possibly even make me look like I have a high utilization. On the other hand, the blue is free and has a credit limit.
Guest: rain Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 18, 2005 1:59 pm
I don't think its to do with charge cards or credit cards. This is just how Amex reports to the credit rating agencies. The main reason apparently is they don't want competitors to know how much credit they've granted to a customer--trade secret.
I have amex blue and it also doesn't give credit limit. Other people's solutions have been to charge it sky high one month, so you appear to have that upper bounds. Subsequently use it more gently, and your score will appear as though your limit was the upper bound one.
Guest: CreditCardGuru Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 18, 2005 7:49 pm
I personally prefer credit over charge so you don't have to worry about paying in full each month, especially when you can get 0% intro APR on some cards, and I believe the BLUE has that now I'm the Credit Card Guru, YOU BET
Guest: erc74 Post subject: American Express Gold and Blue Credit Cards Posted: Mon May 23, 2005 3:56 pm
So I am now curious to hear opinions to the origional question...
should anasky switch?? I have the gold card currently, but have been offered the Plat through work for $150 fee. Since I am not looking to pay $280 in annual fees, I was wondering what the options were as well.
Just interested in the origional string.
Guest: Shawnee Post subject: American Express Gold and Blue Credit Cards Posted: Mon May 23, 2005 9:52 pm
That's interesting, I have an AMEX Blue and it is reporting the credit limit to all three bureaus.
Guest: annasky Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 25, 2005 9:44 pm
"That's interesting, I have an AMEX Blue and it is reporting the credit limit to all three bureaus."
Yeah that's what I had originally thought. How long have you had your amex blue? And would you rather have that or the gold?
Guest: Shawnee Post subject: American Express Gold and Blue Credit Cards Posted: Wed May 25, 2005 10:04 pm
I've had the AMEX Blue for three months. I was initially approved for a $2,000 credit line that has since been increased to $7,200.
I prefer the Blue to the Gold since you can carry a balance if need be on the Blue. This is important for me since I am self employed and my work is seasonal, I usually have ver slow months in July and August and need the flexibility of a credit card versus a charge card like the Gold card.
So far I've been very happy with AMEX. My only complaint is that it is not as widely accepted as Visa/MC, if it was, I wouldn't use any other card.
Guest: Nick Post subject: American Express Gold and Blue Credit Cards Posted: Thu May 26, 2005 3:14 am
I would swap the Rewards Gold Card for the BLUE. Here's why.
Both the Rewards Gold Card (assume the one you have has a $90.00 annual fee) and the BLUE (no annual fee) have the same underlying reward program, which is Membership Rewards Options. This is a slightly watered down version of the full-blown Membership Rewards. With both cards, you can earn unlimited points which do not expire.
Since the Rewards Gold Card and Blue have the same reward program, the BLUE card actually makes more sense since it has no annual fee. Plus, it is a credit card, (if you need to carry a balance) and presently, there are a couple if low rate introductory offers - a 3.99% fixed apr on your balance transfer for the life of the balance and also a 0% apr on purchases anywhere from 6 to 15 months depending on your credit profile.
HOWEVER, if you the Gold card you have is the Preferred Rewards Gold Card (with a $130.00 annual fee), then the reward program is based on Membership Rewards, which is better than membership rewards options. With membership rewards, you convert points into miles with the program's airline partners at a conversion ratio is one-for-one for most airlines whereas it is one miles for every two points for membership rewards options. The shopping rewards and others is also more comprehensive under the full-blown membership rewards program.
If you have the Preferred Rewards Gold Card, the decision you have to make is whether the full blown membership rewards is worth the $130 annual fee versus no annual fee for the watered-down version membership rewards options. (plus the fact that the BLUE is a credit card, with low rate introductory apr offers). Regards Nick http://www.compare-apply-credit-card-online.com
Guest: CreditCardGuru Post subject: Socially Responsible Credit Cards Posted: Wed May 25, 2005 4:03 pm
I think all companies try to be "ethical" by business standards, but if you really think about it, it's going to be hard for it to be totally ethical because somewhere along the line the company is going to have a crack head working for it, that's just an example, it may be a compulsive thief as opposed to a crack head....LOL. I'm the Credit Card Guru, YOU BET
Guest: legitimate user Post subject: Socially Responsible Credit Cards Posted: Wed May 25, 2005 8:58 pm
They're all ethical per se. You agree to let them do whatever they want, and they consistently re-evaluate your situation based solely on the risk you present.
That being said, it's intuitive (at least to me) that the big issuers got big because they're pleasing the greatest amount of people. You could also say they're pissing off the least amount of people. Depends if you want to see the glass half empty, or half full.
Guest: rain Post subject: Socially Responsible Credit Cards Posted: Wed May 25, 2005 11:32 pm
I think you're going about this the wrong way. First ask yourself, are there any companies who are socially responsible? Claiming to be socially responsible and trying their best to adhere to that claim is a close runner-up, so I'll go for those companies, since a really socially responsible company is probably hard to locate.
After that, try to find out if any one of these few candidates offer cc. This is a link where you can find socially responsible companies. http://www.moneywisdom.com/MoneyWisdom/positive.html
This may come out as sarcastic, but good luck, lol
Guest: Board Monitor Post subject: Socially Responsible Credit Cards Posted: Thu May 26, 2005 7:20 am
On a related note, there are many credit card rebate programs that support various charities/non-profits. Great article here:
http://www.cardratings.com/affinitycreditcards.html Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314
Post subject: Credit Card Dispute With Rental Car Company Guest: musikate Posted: Sat May 28, 2005 10:17 pm
HELP! I have a Visa check card, and I got charged $200 for insurance on a rental car by Enterprise. I've had the car for almost a month because mine is in the shop. It was wrecked by a bad driver while it was parked, so his insurance co. is paying for the rental, but the optional collision insurance is about $18.50 a day. Well, after a week, I told two different employees over the phone to cancel the insurance; obviously, they did NOT, so now I'm being charged automatically against my will! Can I dispute charges with a check card? How should I proceed? Keep in mind that the people at Enterprise have been quite rude to me already, and will probably deny that I told them to cancel the insurance.
Guest: CreditCardGuru Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 5:18 am
Yes you can dispute the charges, a VISA check card is much like a credit card other than the balance is taken from your checking account directly. Call your bank's 1-800 number or step in a local branch and ask about disputing it. A lot of people think you can't dispute it with a check card, but since it is a VISA, it is under VISA's zero liability policy, however depending upon your bank you may be liable for the first 50 dollars. Whom do you bank with and I can see if I can pull up some information about what you could be liable for and possibly the procedure and how long it takes to get your money back. I'm the Credit Card Guru, YOU BET
Guest: cled Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 5:29 am
YES!
dispute it with the your Bank directly- inform them that those further charges were unauthorized and that you'd like to stop further payment- also, tell your bank that you have tried to resolve the issue directly with Enterprise, however Ent disregard your request- and you are requesting for refund (hope your bank is like my citi, very helpful)
with my debit card (citbank), i simply call citibank CS to request for a stop payment.
you would need to provide the exact amount of recurring charge (if recurring) and the date the company is charging---
a difficult way to resolve this is by requesting for another checking account number, and if approved, close your present checking account to which they are currently charging you-
keep in mind also, that if this payment from Enterprise is obligatory or it is truly an obligation, then failure to pay may resort them to report you to the Credit bureau for delinquency or any other violation- you don't like that-
hoping you could resolve this issue sooner- more power
Guest: musikate Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 8:45 pm
Thanks for the reply. I bank with Freedom Credit Union in Philly. Of course, they're closed for the holiday tomorrow, and my husband is stranded in Germany with very few Euros. Sometimes we live so hand-to-mouth that a $200 charge on a debit card takes a toll on us.
Guest: musikate Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 8:50 pm
When I spoke to them on the phone, I told them to stop the insurance. That is my word against theirs. What if they deny that (a real probability)?
Guest: cled Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 9:14 pm
Just as with any other credit card companies, calling them on the phone won't preserve our legal rights-
So, write to them, requesting that they stop charges to your account- Send them the letter with a CMRRR - in that way, they wouldn't be able to deny that they received the request from you to stop the charges-
i hope this will help-
Guest: musikate Post subject: Credit Card Dispute With Rental Car Company Posted: Sun May 29, 2005 10:31 pm
I'm less concerned about future charges (after all, I'll only have the car another few days) than I am about the past ones. I mean, I will send them a letter (which will probably arrive after I've given the car back), but I don't know what will happen about the past ones. I calculated that they have overcharged me by $343.10. Do you think the bank will credit that money to me while they investigate my dispute?
Guest: cled Post subject: Credit Card Dispute With Rental Car Company Posted: Mon May 30, 2005 8:18 am
some banks do give a a PROVISIONAL credit- it depends on the bank--- one time, my citi gave me immediate credit after i hang up the phone, at another time, i waited until they got their investigation started--
i had similar situation before- but my bank (citi) wanted me at least try resolving the issue first with the merchant--- so i needed some proofs-- like a dispute letter and what the bank's response--- banks need at least some documentation that showed that we have tried our best to settle the dispute with the merchant---
eve if the car would be returned soon--- the unauthorized charges are still there---i believe if the bank is willing to work with you the chances are-- you would still be able to get your money--- in my case i had 3 incidents with my citi- all authorized transaction-- however, it seemed before that i had a problem recognizing rip-off companies, when i found out later that they were, i called them up to dispute as unauthorized---
we also receive protection from unauthorzied/fraudulent charges when we use our DEBIT/CHECK cards--- the banks should be able to assist us in disputing legitimately fraudulent or unauthorized transaction when they notified of the such charges---
if banks fail to do so, they can be reported to the office of the comptroller (for national banks) or another agency for that matter---(i did not go to this extent)
you can call the bank and say "I noticed some unauthorized charges from ENTR and I want these investigated or disputed--- i have also tried my best to dispute the charges with the ENTR directly, however ENTR refused to listen---"
insist that these charges are "UNAUTHORIZED CHARGES"---and that you need their assistance to resolve the issues----remember we got only limited time to dispute these charges-- i believe about 60 or 90 days, and the bank usually are on our side because they wanna keep us as customers, they do business with us not with ENTR---
also, don't forget to seek assistance from Better Business Bureau- I did this--after the merchant made me wait for 15 days for the refund which had never arrived on time- i reported them to BBB-- few days after,I received calls from the merchant informing me that they were calling me about the my communication with the better business bureaus ans asking me to call them back--- i never called back and i just noticed their email to BBB forwarded to me, that they were returning the charges--
go to the website http://lookup.bbb.org/ and search for the bureau in the area where the merchant is located-- click on the link to that bureau and send a complaint about that merchant--- don't forget to get the confirmation number of your complaint-- you will also be receiving later their decision thru your email, asking you to respond within a certain number of days- failure to do so, the case will be deemed resolved--
do everything you can to get the money back that rightfully belongs to you--- i wish you the best-
Post subject: Citibank Dividend Credit Card Limit Increase Guest: rain Posted: Mon Apr 04, 2005 5:06 am
Using privacyguard, my scores are:
Equifax : 722 Experian: 716 TU: 722
I have 6 months of credit history, 3 cc currently. Yesterday and today PG jumped about 40 points. I think its because I reached the 6 month mark for my cc.
Anyway, I decided to celebrate by applying for what I think is the best cc, the citibank cash back, and got it, wahoo!!!!! $1100 limit I think I want to call them to increase limit, how do you rate my chances? What should I say?
I am studying + working, so income is low. I graduate soon. Do you think they'll care if I tell them I'll soon earn a lot? Heh
Thanks everyone here Bumping the inquiries via PG was what increased my score and I never knew this till I got here!!!
Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Post subject: Citibank Dividend Credit Card Limit Increase Posted: Mon Apr 04, 2005 4:01 pm
Wait a few months - normally six months - until you ask for a limit increase. The lender has already assessed your credit worthiness and has established an initial limit for you. Unless you have additional information not contained in your credit report to bring to the table, why should they increase your credit limit when you have no history with them? Use the card a few times, pay your balance in full, and you will have established an account history. BTW, when asking for a limit increase it's just like a new application insofar as it involves the lender obtaining a new copy of your credit report.
Guest: Board Monitor Post subject: Citibank Dividend Credit Card Limit Increase Posted: Wed Apr 06, 2005 8:08 am
Congrats Rain! _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314
I like the Citi Dividend card also. Once you reach $50 in rebates, you can request a rebate check. I noticed my "dividend" was $52 last week and requested a check using their web site. The site indicates I should receive it in about seven days. I keep this card paid off and only have paid about $.50 in finance charges. This is a good return for a four month old card!
Guest: Alexis Rios Post subject: Citibank Dividend Credit Card Limit Increase Posted: Mon May 30, 2005 11:35 am
Citi Dividend Platinum card , just rules. I check in the website i have $70.51 in cash back , just because for a $4000 balance transfer and other purchases.
Guest: legitimate user Post subject: Citibank Dividend Credit Card Limit Increase Posted: Mon May 30, 2005 6:32 pm
I just called up Citi and had my Platinum Select for College card changed to a Dividend Platinum. I hope my experiences will be as good as those everyone here has had.
Guest: rain Post subject: Citibank Dividend Credit Card Limit Increase Posted: Tue May 31, 2005 12:19 am
Well, I won't say my experience is really that good. But its fine. Lemme post a followup to my original euphoric post. =)
So, when applying for the card, I think I was asked to choose an online ID or something. I chose my favourite ID (I use it all the time, and its chosen for its uniqueness--am relatively sure there's nobody else using this ID)
When I got the card a 1.5 month later (they needed extra verification of my address, and I guess they work slow(?), I tried to do online a/c registration. This was a friday. The system couldn't register my account number, and the customer service person said I should wait at least 24 hours. So I waited, but apparently they needed some human input, its not all automated, and the account couldn't be registered on Saturday. So I decided to wait till Monday-Tuesday.
On Monday, I tried again. I used my favourite ID of course, but the system said this ID was taken! I was pretty amazed, as this is a unique combination. I called Citibank and asked if I really couldn't use my favourite ID. First CSR couldn't help, transferred me to another lady who seemed knowledgable. This lady told me after some checks that the ID I wanted was registered, by ME ! Apparently, this was when I first created the ID to apply for the card. So it is MY ID. She wanted me to create a new ID, but I insisted on my favourite one, so she's like, "fine, I'll work this for you, please give 72 hours, and try again on ---day." She named a day which was actually 96 hours away.
So I waited, and tried to login 96 hours later. And it returned the same error, user ID taken. I called again, they had to transfer me 3 times this time round. First person I spoke to said no deal, create a new ID. I hung up and called again. This time, after 2 transfers, the person I spoke to said she can try to help, she knows what the problem is. She said I should give 72 hours, and try again on ---day. She named a day which was actually 96 hours away.
96 hours later I tried to login, and it worked great.
So altogether, I got my card almost 2 months after that first application was approved. I've just begun using my new citibank dividend card. My CL is low, but I don't mind that.
Did anyone manage to finish reading my rant? lol. All that being said, Citi has a good reputation in customer service. They have a horrible reputation in financial circles, but that's different.
One tip I hope to try soon is this. Redeem your cheque everytime you hit $50, because apparently whenever you redeem, they will give you 1 month bonus %. So you get 6% for everyday purchases, 2% for all others for that 1 month.
Guest: Alexis Rios Post subject: Citibank Dividend Credit Card Limit Increase Posted: Tue May 31, 2005 8:09 am
in my case i had two wait 2 months to receive the card , because of my address. I live in Puerto Rico , and my address is in Spanish . Apparently they wrote incorrectly my address and the card was lost. They insisted to wait until 2 weeks more, but i don't have the mood to do it(it was nearly a month since approved) , thankfully i reach the Spanish Customer Service and they solve the problem , but the new card was lost again. I call again , and this time a new card was sent via UPS in a matter of 24 hours.
Post subject: Temporary Credit Card Use Guest: kc Posted: Tue Jun 07, 2005 4:24 pm
I want to ask my sister to buy something for me and I want this expense is paid by my credit card. How can I let my sister use my credit card temporily? Any good idea?
Guest: Polonius Credit Expert (100+ Posts) Post subject: Other Temporary Credit Card Users Posted: Tue Jun 07, 2005 4:28 pm
You can make her an authorized user of your card by a phone call. Or just give her the card to make the purchase--usually no one cares what name is on the card or what the signature looks like.
Why can't you make the same purchase yourself by phone, by mail, or over the Internet?
Guest: kc Post subject: Other Temporary Credit Card Users Posted: Wed Jun 08, 2005 10:54 am
If I put my sister as a authorized user. Is it temporary? Can I set valid period, or I have to cancel by calling her after finished? If I borrow card without authorizing her, the seller may refuse that?
Guest: Polonius Credit Expert (100+ Posts) Post subject: Other Temporary Credit Card Users Posted: Wed Jun 08, 2005 11:25 am
If you add a temporary user by a phone call, you can remove that user by a similar phone call. It's no problem. I don't think banks are set up so you can add and remove with one phone call, but there's no harm asking when you call.
If she just takes and uses your credit card, someone might notice and care--or not. No way to know until you try. Somewhere on the Internet there's a site of a guy who makes fun of the whole situation by signing his credit card receipts "fake user" or "stolen card" and the clerk happily accepts it...as long as authorization isn't refused by the automatic system!
