Should I call my credit card company CSR?
Guest: JoyJoy
Credit Expert (100+ Posts)
Post subject: Should I call my credit card company CSR?
Posted: Fri Sep 15, 2006 2:46 pm
[quote="hesiden"][quote="JoyJoy"]Bikshu, what did you mean by "I'm not going to give you squat if you use of of those bloody access checks"? MBNA sent my friend Alecia 0% access checks and 0% balance transfers good until Sept., 2007. You wouldn't give her a higher CLI if she were to use one of these checks?[/quote]
He's say a human can give you a better deal then the checks. Of course it'd be hard to be 0%, may a longer period.[/quote]
LOL. I haven't written any yet but I appreciate reading this before I do.
Bikshu please continue posting because I can only read and ask questions when I am visiting Joy. One day I will get a computer. Your posts are a learning experience for me.
Alecia
_________________
J~J
"You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Fri Sep 15, 2006 4:32 pm
Quote:
Again, if MBNA isn’t pleased with a particular cardholder’s spending pattern and withholds automatic CLIs from him, it can shove it and “get lost” itself. There exist tons of generous banks out there, only a card junkie would care what pleases or doesn’t please MBNA’s HAL.
How about this: I will continue to "cost" MBNA "money", will rate-surf, and MBNA's stupid HAL will keep awarding me automatic CLIs.
thanks for the good laugh for the day
Bikshu, thanks for the interesting insider info...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Fri Sep 15, 2006 6:15 pm
I love the information but, as usual, I'm confused by the contradictions.
MBNA likes to see you using your card near the credit limit--that encourages it to raise the credit limit. But it also wants you to maintain a nice FICO score, which is hard to do if you're maxing out your card. Catch 22?
MBNA wants you to take advantage of its promos. But it doesn't want you to be a "rate surfer"--someone who takes advantage of the promos of other banks! Catch 22?
That said, I'm very impressed with the information you've shared with us Bikshu. And I'll remind the folks of something you've also posted several times--those in your department get praise and rewards (bonuses? commissions?) for the business they generate. THAT is why it's good to call and speak with someone rather than use those darn access checks. I'm always reluctant to call for a deal for fear of the questions I might be asked--my credit card usage looks weird if you don't know what I'm doing, and because of the "rate surfer" problem I don't really want to say what I'm doing. But I'll be calling in the future!
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Sep 15, 2006 6:22 pm
That's the best information I've read for quite a while. Thanks so much for these explanations.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Credit Expert (100+ Posts)
Post subject: Should I call my credit card company CSR?
Posted: Fri Sep 15, 2006 2:46 pm
[quote="hesiden"][quote="JoyJoy"]Bikshu, what did you mean by "I'm not going to give you squat if you use of of those bloody access checks"? MBNA sent my friend Alecia 0% access checks and 0% balance transfers good until Sept., 2007. You wouldn't give her a higher CLI if she were to use one of these checks?[/quote]
He's say a human can give you a better deal then the checks. Of course it'd be hard to be 0%, may a longer period.[/quote]
LOL. I haven't written any yet but I appreciate reading this before I do.
Bikshu please continue posting because I can only read and ask questions when I am visiting Joy. One day I will get a computer. Your posts are a learning experience for me.
Alecia
_________________
J~J
"You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Fri Sep 15, 2006 4:32 pm
Quote:
Again, if MBNA isn’t pleased with a particular cardholder’s spending pattern and withholds automatic CLIs from him, it can shove it and “get lost” itself. There exist tons of generous banks out there, only a card junkie would care what pleases or doesn’t please MBNA’s HAL.
How about this: I will continue to "cost" MBNA "money", will rate-surf, and MBNA's stupid HAL will keep awarding me automatic CLIs.
thanks for the good laugh for the day
Bikshu, thanks for the interesting insider info...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Fri Sep 15, 2006 6:15 pm
I love the information but, as usual, I'm confused by the contradictions.
MBNA likes to see you using your card near the credit limit--that encourages it to raise the credit limit. But it also wants you to maintain a nice FICO score, which is hard to do if you're maxing out your card. Catch 22?
MBNA wants you to take advantage of its promos. But it doesn't want you to be a "rate surfer"--someone who takes advantage of the promos of other banks! Catch 22?
That said, I'm very impressed with the information you've shared with us Bikshu. And I'll remind the folks of something you've also posted several times--those in your department get praise and rewards (bonuses? commissions?) for the business they generate. THAT is why it's good to call and speak with someone rather than use those darn access checks. I'm always reluctant to call for a deal for fear of the questions I might be asked--my credit card usage looks weird if you don't know what I'm doing, and because of the "rate surfer" problem I don't really want to say what I'm doing. But I'll be calling in the future!
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Sep 15, 2006 6:22 pm
That's the best information I've read for quite a while. Thanks so much for these explanations.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 2:50 PM
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