0% Interest Credit Cards Used to Make Investments

Author: Guest
Posted: Fri Jan 23, 2004 11:55 am
Post subject: Is anyone else doing this?

There are a lot of 0% for 12-months programs out there. I was thinking about applying for all of them, investing the money, and then paying back the debt before the offer expires. It's like free money! What do you guys think of this idea? Is anyone else trying this?

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Issues With Providian Credit Card Services

Author: Kristin
Guest
Posted: Sat Aug 30, 2003 8:04 am
Post subject: Providian/Card Services

Hi I was wondering if anyone else has had these problems. My husband and i both had Providian accounts and then he was laid off from work we both entered into payment plans with them and then they sold the accounts to Card services. My payment plan had been in effect long enough for it to carry over his they said they could not honor. They now call us ALL the time. For instance I made a payment on 8/21 on both accounts and they still called us on saturday 8/23 after spending more than enough time getting transferred to finally get a manager--I was told they would take my number out of the dialer--Lo and behold they called again that afternoon. By law they cannot contact you for 7 days after speaking with them and i have threatened them with contacting the attorney general serveral times. everytime I make this threat they ease up and then we go through this all over again--any suggestions??

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Changes in Experian's CreditExpert

Author: Peachkiwi
Joined: 27 Jun 2003
Posts: 39
Posted: Wed Jan 21, 2004 3:37 pm
Post subject: Experian's CreditExpert has a New Face Lift!

The new website looks very much like Privacy Guard. Online disputes are a thing of the past and unlimited pulls are restricted to once daily--just like PG!

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Can I buy a car with a credit card?

Author: tracy
Guest
Posted: Tue Jan 20, 2004 10:21 am
Post subject: How are you paying for a car with a credit card??

I have heard that some people have bought a car with a credit card. How are you doing that? The dealerships I talked to don't accept a credit card for a car. I would like to buy a used car BUT would like to put it on a credit card if I can some way. I hope someone can help me!

Thanks,

Tracy

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ATM Card vs. Check Card

Author: Sigrid
Guest
Posted: Tue Jan 20, 2004 2:41 pm
Post subject: Visa Check Card

I have a plain old ATM card, and my bank just "sent" me a Visa check card, with a note about it being an upgrade, blah, blah, blah. I use credit cards, and my ATM card, to get cash. On the one hand, the check card sounds convenient, but is it a bag of worms?? I really use the ATMs for cash, and that is it. I do purchases with rewards credit cards.

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Merge of Credit Card Companies

Author: Scott
Guest
Posted: Tue Jan 20, 2004 2:14 pm
Post subject: Bank One--Chase merger of credit cards

I have a Bank One Visa with a $14,500 limit and a Chase Perfectcard with a $13000 limit. Once they merge, does anyone know if I can combine the two cards into one $27,500 Perfectcard from Chase? I am thinking of getting rid of the Visa because the Chase Perfectcard has a better reward program, but only if I can combine them, because I don't want to lose the $14,500 credit limit from Visa. Maybe the merger will allow me to do this? Does Chase do stuff like this?

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Too Many Credit Report Inquiries May Be the Fault of CRA

Author: Guest
Guest
Posted: Mon Jan 12, 2004 2:24 am
Post subject: Chase Mortgage

Hi. I am a 21 year old who has established a strong credit history. I have one issue I would like to ask advice on. I recently applied for a credit card (citibank) and was told I was declined because I had too many inquries in the past six months. When I pulled my credit report up I kept seeing inquiries for Chase Mortgage. They do not stipulate that it is a periodic review. Let me back track here. Since I was 18 I was having inquries from Chase Mortgage every month on my credit report showing up as a periodic review. When I called chase and asked them about this they said it could be how the system works because I have the same name as my father. I don't have a mortgage but my father does with this institution. I tried to get this issue resolved years ago by fighting with Chase to have them stop pulling up my credit report (even though other creditors couldnt see it) Now, they are not coming up as a periodic review, they are available for any creditor to see and they have been pulling up my credit report every month. The credit bureau told me I have to contact the bank. Chase doesn't know how to correct the problem and no matter what I do they can't stop it. Any ideas?

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Credit Card Surcharges

Author: Guest
Posted: Sat Nov 01, 2003 10:42 am
Post subject: Surcharge

I've read in many places that MasterCard and Visa merchant agreements forbid merchants from levying a surcharge for credit card use. Is this really true? Can anyone point me to a definitive statement of this policy on a Vias or MasterCard website, or some other reliable online source?

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CitiBank Platinum Select Mastercard Introductory APR Offer

Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 666
Location: NJ
Posted: Sun Jan 11, 2004 7:24 pm
Post subject: CitiBank Dividend Platinum Select MasterCard

This is the best intro offer I've ever seen, but it seems to be available only to existing CitiBank clients by invitation only. There's no annual fee. During that first year it offers a 5% cash rebate on ANY gasoline purchase, ANY supermarket purchase, and ANY drug store purchase. They also incorporate a 1.9% balance transfer rate through December, 2004 with no balance transfer fee. After that the rate goes to 9.9%. The purchase rate is a fixed 9.9%. Rebate checks are send when rebates reach $100.00, and rebates are capped at $300.00 per year.

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Fleet Platinum Visa Credit Card Information

Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 1836
Location: Illinois
Posted: Sun Nov 16, 2003 6:33 pm
Post subject: Fleet:

fleethomelink.fleet.com/cgi-bin/imcpprd.dll/Ctrl.jsp?page=topLevel&cntType=UCP_WELCOME

Fleet Platinum Visa®

ANNUAL PERCENTAGE RATE

(APR) for Purchases 0% (.00000% daily periodic rate) through the last day of your billing cycle that includes the 6-month anniversary of account opening.1 If no intro rate, then for Fleet Customers, between 11.99% (.03285% daily periodic rate) and 14.99% (.04107% daily periodic rate) today, determined at account opening,1 for non-Fleet Customers, between 12.99% (.03559% daily periodic rate) and 15.99% (.04381% daily periodic rate) today, determined at account opening.1 1. If, at any time, you fail to make the Minimum Payment due by your payment due date, any introductory and promotional rates on your account will immediately convert to the otherwise applicable post-introductory and non-promotional rates. If you fail to make the Minimum Payment due by your payment due date twice in any twelve-month period, all lower rates on your account (including any introductory and promotional rates) will immediately convert to the Default APR. If you fail to make the Minimum Payment due for two consecutive months or otherwise default on this account or on any other Fleet credit card account, all rates on your account(s) (including any introductory and promotional rates) will immediately convert to the Serious Default APR.

Other APRs

Balance transfer APR: 0% (.00000% daily periodic rate) through the last day of your billing cycle that includes the 6-month anniversary of account opening.1 If no intro rate, then for Fleet Customers, between 11.99% (.03285% daily periodic rate) and 14.99% (.04107% daily periodic rate) today, determined at account opening,1 for non-Fleet Customers, between 12.99% (.03559% daily periodic rate) and 15.99% (.04381% daily periodic rate) today, determined at account opening.1 Cash advance APR: 19.8% (.05425% daily periodic rate) today.

1 Default APR: for Fleet Customers, between 17.99% (.04929% daily periodic rate) and 20.99% (.05751% daily periodic rate) today1, for non-Fleet Customers, between 18.99% (.05203% daily periodic rate) and 21.99% (.06025% daily periodic rate) today.

1 Serious Default APR: 23.99% (.06573% daily periodic rate) today.

1 Variable Rate Information The rate for purchases and balance transfers posted or outstanding after the last day of your billing cycle that includes the 6-month anniversary of account opening and the rate(s) below may vary.

Purchases and balance transfers: for Fleet Customers: between the higher of (a) a minimum rate of 11.99% APR (.03285% daily periodic rate) or (b) LIBOR + 10.850% and the higher of (a) a minimum rate of 14.99% APR (.04107% daily periodic rate) or (b) LIBOR + 13.850%2 for non-Fleet Customers: between the higher of (a) a minimum rate of 12.99% APR (.03559% daily periodic rate) or (b) LIBOR + 11.850% and the higher of (a) a minimum rate of 15.99% APR (.04381% daily periodic rate) or (b) LIBOR + 14.850%2

Cash advances: the higher of 19.8% APR (.05425% daily periodic rate) or LIBOR + 18.660%2

Default: for Fleet Customers: between the higher of (a) a minimum rate of 17.99% APR (.04929% daily periodic rate) or (b) LIBOR + 16.850% and the higher of (a) a minimum rate of 20.99% APR (.05751% daily periodic rate) or (b) LIBOR + 19.850%2 for non-Fleet Customers: between the higher of (a) a minimum rate of 18.99% APR (.05203% daily periodic rate) or (b) LIBOR + 17.850% and the higher of (a) a minimum rate of 21.99% APR (.06025% daily periodic rate) or (b) LIBOR + 20.850%2

Serious Default: the higher of (a) a minimum rate of 23.99% APR (.06573% daily periodic rate) or (b) LIBOR + 22.850%2 2. "LIBOR," used to determine the variable rate, is the three months London Interbank Offered Rate published in The Wall Street Journal on the third Wednesday of March, June, September and December.

Grace Period for Repayment of Purchases At least 20 days if new balance is paid in full by the due date each month.

Method of Computing the Balance for Purchases Average daily balance (including new purchases).

Annual Fee None Minimum FINANCE CHARGE $.50 (on purchases in any billing cycle that a finance charge is due).

Balance Transfer Fee None Cash Advance (including drafts)

Transaction Fee 4% of each amount advanced; minimum $5.

Late Payment Fee $35

Overlimit Fee $15, $29, or $35, if New Balance up to $500, $500 up to $1,000, or $1,000 or greater, respectively.

HOW TO EARN POWER REWARDS(SM) Subject to certain conditions and exclusions, you earn one point for each dollar in purchases posted to your Fleet Platinum Visa account. Points can be redeemed for goods or services as available. Balance transfers and cash advances do not earn points. You may be assessed a non-refundable point redemption fee, up to $22 at the time points are redeemed for certain travel-related rewards such as airline tickets, vacation and hotel packages, and car rentals.

Fleet may change or cancel the Power Rewards Program at any time. The Power Rewards Program is administered by a third-party service provider. The Rewards Program is subject to all terms and conditions of the Power Rewards Program Rules, which will be mailed with your Fleet Platinum Visa Card. ***

ARBITRATION PROVISION Need to check directly at site for additional information on Arbitration Provision.

The information contained in the CONSUMER INFORMATION above is accurate as of 11/15/2003 and is subject to change.

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Providian Credit Card Real Rewards

Author: HJM
Guest
Posted: Sat Sep 13, 2003 6:50 pm
Post subject: Providian Real Rewards

Hi, I just received a pre-approved offer from Providian. It looks very good, and I wonder if anyone see it:

Earn Points: * 500 points for first purchase * 1 point per $1 spent * 10 points for every $100 in revolving balances per billing cycle (no point earned in billing cycle with no periodic finance charges) * 500 points for paying on time every six consecutive billing cycles. (This is news and very attractive feature)

Redeem Points: * APR reductions; never lower than prime rate. They don't explain how it works * statement credit. No mention of the redeeming rate, and customer service can't answer either. *

Airline Ticket Discounts: 5000 for $50 off any airline ticket, 7500 for $75 off and 15000 for $150 off. That's 1% return. *

Merchandise and restaurant certificates: There are a list of well-known companies like Applebee, Barnes & Nobles, Macy's, Olive Garden, etc. Some charge $1.50 monthly for 12- or 15-month or longer inactive accounts.

Don't know if one has automatically join those service, and customer service can't answer it either. My guess is if one redeems for Applebee's gift certificate and not use it for 24 months, they will deduce $1.50 each month as a maintenance fee. It is no surprise that they don't detail their reward program until one applies and is approved. However, 500 points for 6 consecutive on-time payments is the first I have seen that reward for being good. On the other hand, I heard a lot of bad things about Providian.

If anyone is interested, you can call them at 1-800-918-9172. The product # is 7K82HS. Sorry, can't tell you what the Reservation # is.

Have a nice weekend.

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Change in Credit Card 90 Day Purchase Protection

Author: Incognito
Guest
Posted: Thu Jan 08, 2004 6:24 pm
Post subject: Just a tidbit from me regarding Visa..

I learned at work today that VISA will be stopping the 90 day purchase protection it used to offer. but Mastercard will still continue with the program. Its ending in March.

Thanks

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