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MBNA World Points Platinum Plus Credit Card Offer
Guest: fenster Credit Expert (100+ Posts) Post subject: MBNA World Points Platinum Plus Credit Card Offer Posted: Thu Jul 20, 2006 7:26 pm I was offered a preapproved World Points Platinum Plus card, issued by MBNA for NetBank’s customers. The offer consisted of 0% APR till August, 07 on BTs and advances, thereafter, a fixed rate of 7.9%. Parsing the fine print, turns out NO CAP on a 3% BT fee. I call MBNA and first try to haggle for a no fee BT on $10K so I can earn 5% on ‘em at my bank. The rep comes back with no deal. Then I impart to him all my other MBNA cards have a Cap of $75 per BT, how about honoring that. This time out he says how about a flat fee of $100 on the $10K, I say deal; a savings of $200 on the fees. Moral of the story, never take the fine print for granted, and invest in a toll free call. One more thing, don’t be precipitous in you actions. Evaluate all your relationships and options with your bank. For example, I have a MC with MBNA that has an APR of 17% with a 0 balance that’s doing nothing. I consolidated most of its balance with above card so I can cushion new card’s utilization and take future advantage of 7.9% fixed instead of 17%. And at the same time, I didn’t close the donating MC, for it receives automatic CLIs and has a history. Now detractors will say, you still incurred a fee. You’re right, but in a emerging era of NO CAP fees on BTs, being charged 1% on a $10K loan which will earn you 5% or more isn’t too shabby. _________________ beware of everything
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 8:11 pm Quote: "fenster" I was offered a preapproved World Points Platinum Plus card, issued by MBNA for NetBank’s customers. The offer consisted of 0% APR till August, 07 on BTs and advances, thereafter, a fixed rate of 7.9%. Parsing the fine print, turns out NO CAP on a 3% BT fee. I call MBNA and first try to haggle for a no fee BT on $10K so I can earn 5% on ‘em at my bank. The rep comes back with no deal. Then I impart to him all my other MBNA cards have a Cap of $75 per BT, how about honoring that. This time out he says how about a flat fee of $100 on the $10K, I say deal; a savings of $200 on the fees. Moral of the story, never take the fine print for granted, and invest in a toll free call. One more thing, don’t be precipitous in you actions. Evaluate all your relationships and options with your bank. For example, I have a MC with MBNA that has an APR of 17% with a 0 balance that’s doing nothing. I consolidated most of its balance with above card so I can cushion new card’s utilization and take future advantage of 7.9% fixed instead of 17%. And at the same time, I didn’t close the donating MC, for it receives automatic CLIs and has a history. Now detractors will say, you still incurred a fee. You’re right, but in a emerging era of NO CAP fees on BTs, being charged 1% on a $10K loan which will earn you 5% or more isn’t too shabby. On my last MBNA BT (like 1.5 weeks ago) I was given the option of 2 choices... 1) PAY THE $75 BT FEE 2) WALK AWAY FROM THE BT So they are NOT afraid to lose business IN MY CASE I WOULD HAVE HAD TO PAY OVER $900 FOR A BT FEE (I have always paid no more than $75) At one time they were always FREE (when I did EFT to my checking account)
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 11:21 pm Seems to me banks and card issuers have found a golden goose in fees and are shafting the consumer. They're not about to let go either. You've over the limit fees, late fees (1 minute late), default fees, express pay fees, pay by phone fees, dormant account fees, the resurgence of annual fees, you name it they got it fees... Soon we'll be lamenting the days of the $75 BT. If congress doesn't act soon and help working Americans, card issuing banks will suck the marrow from our bones and say gimmie more. _________________ beware of everything
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 11:26 pm Quote: "fenster" Seems to me banks and card issuers have found a golden goose in fees and are shafting the consumer. They're not about to let go either. You've over the limit fees, late fees (1 minute late), default fees, express pay fees, pay by phone fees, dormant account fees, the resurgence of annual fees, you name it they got it fees... Soon we'll be lamenting the days of the $75 BT. If congress doesn't act soon and help working Americans, card issuing banks will suck the marrow from our bones and say gimmie more. When you "CAN" get $0 BT FEE $75 is hard to choke down $100 I can't swallow A $900 BT FEE I WOULD HAVE TO GET THAT 0.00% BT FOR LIKE TILL DECEMBER 2010
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 11:39 pm I'm with ya mouse, all the way. _________________ beware of everything
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How to Manage Multiple CitiBank Credit Cards
Guest: phantomega1 Post subject: How to Manage Multiple CitiBank Credit CardsPosted: Wed Jul 19, 2006 2:48 am I just got approved for both the MTVu card and Diamond Preferred Amex from Citibank. I was wondering if anyone could answer a few quetsions about Citi for me, since I have had no experience with them before: 1. Will they let you combine all the points you earn for the Thank You network on both cards, or can you only redeem them individually? 2. Does anyone know how Citi is with CLI requests? How long do you have to wait, and if you have multiple cards will that stop you from getting an increase on one? How about letting you allocate some of the limit from one to the other? Any help from you longtime Citi gurus is greatly appreciated! I think I'm going to be a Citi guy for a while! _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: LawProfessor Posted: Wed Jul 19, 2006 9:32 am [quote="phantomega1"]I just got approved for both the MTVu card and Diamond Preferred Amex from Citibank. I was wondering if anyone could answer a few quetsions about Citi for me, since I have had no experience with them before: 1. Will they let you combine all the points you earn for the Thank You network on both cards, or can you only redeem them individually? 2. Does anyone know how Citi is with CLI requests? How long do you have to wait, and if you have multiple cards will that stop you from getting an increase on one? How about letting you allocate some of the limit from one to the other? Any help from you longtime Citi gurus is greatly appreciated! I think I'm going to be a Citi guy for a while! [/quote] Yes, you can combine your Thank You Network Points. (You can even add a checking account to earn points even faster!) You will have a CLI button on your account page. You can request a CLI after the six month mark. You should get a response within 5-7 buisness days.
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Guest: EasyRhino Posted: Wed Jul 19, 2006 11:32 pm After a while, you'll get two "Thank You Member Numbers". Pick one of them and login with it. Attach BOTH of your card accounts to it. After that, as long as the points successfully flush out of the card (PremierPass and Driver's Edge have confusing rules), then they'll all comingle in your TY account, and you can then buy a pony.
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Guest: jtownsucks46 Posted: Wed Jul 19, 2006 11:52 pm (You can even add a checking account to earn points even faster!) How do you do that?????
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Guest: jtownsucks46 Posted: Thu Jul 20, 2006 11:55 am anyone??
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Guest: EasyRhino Post subject: Posted: Fri Jul 21, 2006 12:54 am If you have a banking account with citibank, they also dump some points into your TY account each month. It ranges from 25 a month to 1200 a month. For the higher amounts, you need to have more products and carry balances. Right now I'm at 800 a month by carrying over $6,000 in combined savings and CC balances, and having some products I don't really need (small CD, overdraft loan).
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Want to Repair Credit Score after Credit Card Charge-Offs
Guest: shopgirl Post subject: Want to Repair Credit Score after Credit Card Charge-OffsPosted: Thu Jul 20, 2006 4:57 pm Hi everyone. I went from having a credit score of 730 to having a credit score of 499. Ouch. What happened is that I bought a house that was WAY too expensive and got a couple of new high limit cards that I went shopping with. Anyways, my sig other lost his job, we got behind, and took us 10 months to sell the house. In those 10 months, we paid only mortgage to avoid foreclosure. All my credit cards ended up being charged off (about 7). Car payment has always been on time. I lost my entire down payment on that house and now I live paycheck to paycheck in an apartment. Hard lesson to learn. I can't find a lot of info on charge offs. How can my credit repair itself if these stay on for 7 years? Will my credit score be 499 for the next 7 years? I don't plan on getting any more credit cards, but would like to someday own a house again. Any advice would be appreciated. Thank you. Oh, and another question. I tried to get a car loan the other day on a cheap second car, and they said only one place would give me a loan for 25%. I of course declined, but I saw 8 hard hits on my credit report after this. Do these count as 8 separate inquiries if it was to search for one loan??? Thanks again.
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Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 7:18 pm Auto loan shopping generally show up as one inquiry as long as the hits are within a couple of weeks. Yes you CAN rebuild your credit. Take it from someone who went down to the very dregs resulting in chapt 7 BK. You have a couple of alternatives, one, you can repay the outstanding debts. Do you have any accounts still open? If so hold on to those for dear life. If you have a long history with any creditor, make arrangements to pay off the debt if possible and ask them to reopen the account. It DOES happen. If all else fails, and you have no other choice, try some of the BK friendly crds in the sticky at the top or a secured card. Be pristine with these guys. Your score will improve as your charge offs age. Having a current account with good payment history wouldn't hurt either, even if it is a secured card. Or you can do what I did. I took a couple of local finance company loans all paid within 6 mos. I used it almost as a revolving line of credit. As soon as it was paid off, I opened another with the same company. I finally got the reporting history I needed to transition up to a revolving line, ie credit card.
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Guest: rain Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 7:41 am It will be okay in time, and you'll be able to get mortgages, etc, although the rates will be ~4% higher than normal rates. I'm no expert, have been surfing some great forums. Do you know creditboards.com ? They have excellent discussions. Lots of people get dumped on by life. You are never alone. :--)
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Bank of America Power Rewards Credit Card Approval
Guest: nefertiti66 Post subject: Bank of America Power Rewards Credit Card ApprovalPosted: Fri Jul 21, 2006 10:44 am I just rec'd approval for a BOA Power Rewards card limit $7,500!!!! My score is 750 but no credit history except my school loans which are in good standing. I had troubles finding a card that would approve me (other than Capital One ALL hassle card!) Yay! I'm off to do my happy dance of victory!!!!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Jul 21, 2006 10:48 am Congrats!!! Let us know how you like it. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Sam's Discover Credit Card Complaint
Guest: Board Monitor Board Monitor/ Administrator Post subject: Sam's Discover Credit Card ComplaintPosted: Fri Jul 21, 2006 11:21 am This message posted by e-mail request from one of the visitors to our site: I hate Sams club discover card. How can I complain? Even their web site is so cheap one cannot navigate, or error pops up. No phone number or nothing! Am I required to use only Sams Discover Card if I trade at Sam's where I pay them an annual Business fee? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 1:47 pm I don't like Sam's Club altogether in that the ONLY card they will take is Discover. I got embarrassed and almost didn't believe them at first when they told me at the checkout. If Walmart and Sam's Club are linked, how does Walmart take every other card and Sam's Club only takes Discover? A question I will never know the answer to.
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 2:17 pm just like Costco only takes AMEX. they prob worked out some special deal with the company. they probably pay less fees
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Jul 21, 2006 3:32 pm It's just marketing. Costco used to have an exlusive deal with Discover, then it negotiated a better deal with AmEx. Usually in these arrangements the credit card company pays part of the advertising the firm does as long as the ad mentions that only XX card is accepted. As for the question of your emailer, he's always free to not shop there or to pay cash, check or with a debit card. What's the big deal? And how come these folks are unable to figure out how to post on this board? You can't have a discussion when there's no way to respond... _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Jul 21, 2006 4:44 pm THE SAMS DISCOVERCARD CAN BE USED AT ANY BUSINESS THAT TAKES DISCOVERCARD!!!!!!!!!
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Issues with American Express Credit Card Resolved
Guest: fitz75 Credit Expert (100+ Posts) Post subject: Issues with American Express Credit Card ResolvedPosted: Thu Jul 20, 2006 2:33 am [quote="phantomega1"]Ok... so NOW I find out another problem with AMEX. I bought groceries, and I went to pay with my Blue Cash card, since it specifically offers 5% back at grocery stores, and my local market (Winn Dixie) said that all American Express cards require voice authorization there! That is ridiculous and so inconvenient. I ended up just using debit. [/quote] Citi AmEx will be no different [quote="phantomega1"]Oh and not to mention that the website for your account is USELESS... It does not show any recent transactions or temp authorizations or anything. It shows that the "available credit" is reduced, but then it says "no activity" under recent transactions... blah.[/quote] Citibank isn't going to show you this either. Seems like your mind is made up about AmEx...
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Guest: phantomega1 Posted: Fri Jul 21, 2006 3:14 pm ok, well I had a much better talk with Amex recently. I called up to see what was the issue with the grocery store not taking the card, and they told me that the fraud center just wanted to verify my info. So I talked to one of the reps and she said they couldn't verify my home phone number, because it was a cell. She said they could verify my work phone though and that they just wanted to call me back on that line to make sure it was me. Once they did that, everything was fine and she told me how sorry they were for the inconvenience. So I told her I really didn't care because I was just going to cancel this card since I would not be using it enough, and certainly not enough to get over the $6500 needed to earn 5%, so the card was not going to work for me. She immediately told me they really valued my business and did not want to lose me as a customer. She said they have several different cards and she would be happy to upgrade my Blue Cash to any other card that would suit my needs better. I thought this was very friendly, and good customer service. So I ended up switching over to the Clear Card. It seemed like the least hassle card, with no fees, and nothing that I have to worry about points with. They will just automatically send you a cash card when you spend $2500. So I am definately going to give Amex another shot. I guess it really does matter which CSR picks up the phone when you call... makes a big difference in how the company is represented. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 4:59 pm [quote="tonyb"]You may pay your credit cards in full, but your balance won't show as zero most likely if you use those cards. The card companies report to the agencies regularly with your "current" balance. So if you've got a $10,000 limit, and you've spent $5,000 into the cycle, even if you pay the balance off at the end of the month it could show $5K depending on when they report it. That's why many recommend to not use your credit cards for a few months before applying for a mortgage if you're at a borderline credit threshold.[/quote] IT WILL SHOW A ZERO BALANCE ON YOUR CREDIT REPORT, IF ONLY YOU PIF 3 DAYS BEFORE THE BILLING CYCLE ENDS. WHEN THE BILLING CYCLE CLOSES, THE ACCOUNT WILL BE A ZERO, SINCE YOU PAID IT BEFORE IT CLOSED
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Jul 21, 2006 5:32 pm PIF before the statement "MAY" or "MAY NOT" result in $0 balance being reported to the CRA's It can report any time during the month FOR A FACT CAPITAL ONE HAS REPORTED 5 TIMES THIS MONTH I MADE 5 DIFFERENT PAYMENTS (large ones over $500 and they have updated for each one) DON'T BET A MORTGAGE COMPANY WON'T FIND OUT "IF" YOU PIF BEFORE THE STATEMENT DATE
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Guest: multiplierx Posted: Fri Jul 21, 2006 9:26 pm Amex reports a month behind so it'd take at least 1 month to report a 0 balance.
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Should I go with MBNA Credit Card instead of AmEx?
Guest: creditnewbie Credit Expert (100+ Posts) Post subject: Should I go with MBNA Credit Card instead of AmEx?Posted: Wed Jul 19, 2006 6:50 pm Phantom, do you think that you are AMEX's ONLY customer? So what if you see the pending charges the following business day? Don't you know that YOU MADE the purchase?? I have a feeling that you are the customer that nobody wants. There are other things in life that are more important than complaining about nonsense. If you are not happy with amex, then close the account and move on.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 6:55 pm MBNA SHOWS PENDING CHARGES DO I CARE??? NO Since I only use MBNA for BT's
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Guest: phantomega1 Posted: Wed Jul 19, 2006 8:04 pm Hey now, don't put me down just because I like to have certain features on a card... if you don't like or need those features, then that's okay for you, but I am entitled to have my opinion and to like or dislike certain things. If someone else wants or needs the same features that I am posting about, then it will help them to make a decision whether or not this is the card for them. That's what this forum is about and that is the reason I am posting about it. Nothing is stopping you from skipping over this thread if you are not interested. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 8:19 pm Quote: "phantomega1" Hey now, don't put me down just because I like to have certain features on a card... if you don't like or need those features, then that's okay for you, but I am entitled to have my opinion and to like or dislike certain things. If someone else wants or needs the same features that I am posting about, then it will help them to make a decision whether or not this is the card for them. That's what this forum is about and that is the reason I am posting about it. Nothing is stopping you from skipping over this thread if you are not interested. THEN DUMP AMEX and GO WITH MBNA I have no idea if any other card lists "PENDING" charges since I use AMEX and CHASE for 99% of my purchases
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Voice Authorization Required for American Express Credit Card Purchases?
Guest: phantomega1 Post subject: Voice Authorization Required for American Express Credit Card Purchases? Posted: Wed Jul 19, 2006 6:14 pm Ok... so NOW I find out another problem with AMEX. I bought groceries, and I went to pay with my Blue Cash card, since it specifically offers 5% back at grocery stores, and my local market (Winn Dixie) said that all American Express cards require voice authorization there! That is ridiculous and so inconvenient. I ended up just using debit. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 6:20 pm Quote: "phantomega1" Ok... so NOW I find out another problem with AMEX. I bought groceries, and I went to pay with my Blue Cash card, since it specifically offers 5% back at grocery stores, and my local market (Winn Dixie) said that all American Express cards require voice authorization there! That is ridiculous and so inconvenient. I ended up just using debit. So they don't "REALLY" take AMEX then They sort of "FORCE" in the sale by phone authorizations
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Guest: phantomega1 Posted: Wed Jul 19, 2006 6:35 pm Oh and not to mention that the website for your account is USELESS... It does not show any recent transactions or temp authorizations or anything. It shows that the "available credit" is reduced, but then it says "no activity" under recent transactions... blah. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 6:38 pm Quote: "phantomega1" Oh and not to mention that the website for your account is USELESS... It does not show any recent transactions or temp authorizations or anything. It shows that the "available credit" is reduced, but then it says "no activity" under recent transactions... blah. I don't care that they don't post "PENDING" charges They show up in a day or two AND I KNOW HOW MUCH I BOUGHT TO THE $0.01 AND I KNOW WHAT CHARGES ARE DIRECT BILLED EVERY MONTH TO THE CREDIT CARD
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Want an Increased Credit Line on my New AmEx Credit Card Credit Account
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Want an Increased Credit Line on my New AmEx Credit Card Credit AccountPosted: Wed Jul 19, 2006 10:57 am You're a new customer of AmEx--and you say that the $8,000 credit limit it gave you means you're not "good enough" for AmEx? You're taking things much too personally. The CSR you spoke with obviously isn't one of the credit analysts who make such decisions, so what the CSR said is meaningless. Wait for the letter. You weren't turned down for credit. You just didn't get the limit you expected. There's a BIG difference. In November I applied for a pre-approved Advanta business card with a credit limit "up to" $35,000. I got the card. The limit was $2,500. Not much good to me. But why should I be angry? Nothing wrong with the card. Nice cash rewards. 0% BT feature. No fee. I'll keep it and use it now and then. Eventually, the CL will go up to something more useful for me. No big deal. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: mantras Posted: Wed Jul 19, 2006 11:37 am I think the starting CL is pretty good. I would spend a bunch on it and pay in full at the end of the month and then see if the CLI button will give you love through the amex website. If not try again with a rep. A majority of them are easy to deal with and love to keep you happy. Amex is one of the best companies to give CLI earily on in my experience. Good luck with what you are looking for.
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Guest: tonyb Posted: Wed Jul 19, 2006 12:11 pm You may pay your credit cards in full, but your balance won't show as zero most likely if you use those cards. The card companies report to the agencies regularly with your "current" balance. So if you've got a $10,000 limit, and you've spent $5,000 into the cycle, even if you pay the balance off at the end of the month it could show $5K depending on when they report it. That's why many recommend to not use your credit cards for a few months before applying for a mortgage if you're at a borderline credit threshold.
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Guest: fitz75 Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 4:59 pm Started out with a 2k Amex Delta, 6 months later I am at 25k. Amex isn't trying to personally insult you, they don't know you from Adam...
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Credit Card Company CSR Handled my Issue ASAP
Guest: phantomega1 Post subject: Credit Card Company CSR Handled my Issue ASAP Posted: Wed Jul 19, 2006 12:23 am I called the 1-800 number and spoke to someone at EQ right away... didn't even have to wait. I just told him that AMEX put double inquiries on my report and the second one should have been a soft. The guy didn't seem like he cared about an explanation at all, almost cut me off and just wanted the date of the inquiry. I told him the date, and he said he put a dispute on the inquiry and I will get a letter in about 30 days with the results. I checked my report about an hour later and the inquiry was already gone. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 1:31 am Thank you so much for the reply, just what I needed.... Spjoink the viking
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Guest: phantomega1 Posted: Wed Jul 19, 2006 2:35 am So I was approved for the Citi MTVu card to get 5 points for dining, movies, books, etc... which is the best points card out right now. So that made me happy. I wanted an American Express card, but AMEX really displeased me, but Citi made me happy... so I combined the two and applied for the Citi Diamond Preferred American Express and got approved on that as well. It has 5 points back on supermarkets, gas, and drug stores, plus $100.00 for signing up! So the AMEX blue is going to get sock drawered I think. I may use it a couple times at 7-11 because it has the quickpass thing, but I think I will just be a Citi guy from now on. Hopefully their level of customer service will be better than what I got from AMEX. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: creditnewbie Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 5:40 am When I got my Blue card, the limit was too low. I called before I activated it and spoke to a person, not an automated voice prompt. They gave me the maximum initial limit--$25,000. Did you activate the card THEN tried to increase the limit? at the time my score was around 750+ or so.
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Problem with American Express Credit Card Company
Guest: phantomega1 Post subject: Problem with American Express Credit Card CompanyPosted: Tue Jul 18, 2006 9:33 pm Well, I just got my new American Express Blue Cash card in the mail today. I was instantly approved online at a CL of $8600. That is my lowest limit card so I have read here how almost everyone has been approved for a CLI when the activated the card so thats what I tried for. However, the automated system denied my request, so I asked to talk to a CSR, and she was a complete idiot. It was so obvious everything she was saying was being read from a script. I asked her to tell me why the CLI was not approved and she said she could only tell me a broad reason. She then went on to mention generic reasons, all of which were NOT true. She said something about debt to income ratio / high usuage on other trade lines etc. I told her to look at my report and ALL my accounts are at a 0 balance! I don't have any debt!!! She then changed her story to, "oh, well maybe its because of too many new accounts" and I told her that this AMEX card is my only new account in the last year! She finally just said they would send me something in the mail that may be more helpful... I hung up the phone. That is so ridiculous. I have over 10K lines with BOA, MBNA, and CHASE. But I'm not good enough for AMEX? This is not a good way to start out their relationship with me. THEN I found out they did a HARD inquiry when I had just applied for the card like less than 10 days ago! So there were 2 hard inquires on my EQ report from AMEX! I called up EQ and disputed this one off, but it just makes me mad that not even the automated system warned you that if you continue it may result in an inquiry on your credit report... Sorry for ranting... Just that I was so excited to have an AMEX and I planned on using it for EVERYTHING to get my cash back, and now I am really disappointed. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Jul 18, 2006 9:50 pm Dispute the #2 HARD with the CRA It is duplicate They could have used the first HARD THERE IS NO LAW THAT SAYS THAT THEY MUST REMOVE IT BUT THEY "CAN" DO IT IF THEY WANT Even a low level CSR can make it happen
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Guest: phantomega1 Posted: Tue Jul 18, 2006 10:20 pm yeah, thats what I thought mouse! It was so ridiculous for them to do a hard pull again. As far as I can tell it has been taken off by EQ, hopefully it will stay off after the dispute is closed, but if it comes back on I'll be really unhappy... _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Tue Jul 18, 2006 11:12 pm explain me how you disputed the inquiriy? thanks
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Good Experience with FIA Credit Card Services
Guest: multiplierx Post subject: Good Experience with FIA Credit Card ServicesPosted: Fri Jul 21, 2006 10:41 pm This used to be a card division of MBNA and now services some of MBNAs old cards and also some BOA cards such as the new BOA-Amex. Anyway, I called them yesterday and talked to a credit analyst. The routine with an analyst is the same as it was with MBNA, but it does seem like they've loosened up a bit. I was very impressed with the experience. She even called me back this morning to confirm everything was taken care of. She also told me that although a CSR can't connect you with specific analyst by name, you can request the CSR send the analyst an email and you will get a callback.
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How do you pay AmEx credit card before statement closes?
Guest: davidfronue Post subject: How do you pay AmEx credit card before statement closes? Posted: Fri Jul 21, 2006 7:43 pm Ok this is the thing I cant figure out I would like to pay my amex bill before the statment closes and I see alot of people are doing that but how. When I log on to my account it does not let me pay the bill before the statement is closed can someone please explain Thanks
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Jul 21, 2006 9:15 pm Use online billpay at your bank to send a payment to American Express--it's usually sent electronically. (If your bank doesn't offer free online billpay, change banks--plenty offer this service for free now.) Or mail a check to the usual address. I used to make copies of the payment stub so whenever I wanted to make a payment I'd send a payment stub copy with my check, without having to wait for the actual statement to arrive. But online billpay is much, much easier. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: multiplierx Posted: Fri Jul 21, 2006 9:27 pm Is this your first statement?
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Guest: multiplierx Posted: Fri Jul 21, 2006 9:29 pm I make 2 or 3 payments per month on Amex through their website. It's always PIF before the reporting date and statement cut. You just can't do it for your 1st statement. After that you can make a payment on their website anytime you want.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Jul 21, 2006 10:33 pm YOU MUST WAIT FOR THE FIRST STATEMENT TO GENERATE or CALL ON THE PHONE FOR PAY BY PHONE
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Guest: davidfronue Posted: Fri Jul 21, 2006 11:38 pm ok yeah first statement I guess thats why I didnt think of that you guys are great
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Status of USAir Signature Credit Card Offer?
Guest: drrevrob Post subject: Status of USAir Signature Credit Card Offer? Posted: Sat Jul 22, 2006 11:53 am I heard that USAIRWAYS was discontinuing this card, does anyone know who will take over? Rob
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Credit Card Credit Line Increase Without Credit Report Inquiry?
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Credit Line Increase Without Credit Report Inquiry?Posted: Sat Jul 22, 2006 12:30 pm It was unrequested..so we agree--bank-initiated CLIs come without a hard hit. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Evilbunny Posted: Sat Jul 22, 2006 12:31 pm Sorry, i should have specified
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Guest: spjoink Credit Expert (100+ Posts) Posted: Sat Jul 22, 2006 1:17 pm yes , it makes sense , but i have gotten many cli without hard pull from other companies...a New lesson learned
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Credit Card Company will Pull Credit Report Inquiry to Verify Identity
Guest: spjoink Credit Expert (100+ Posts) Post subject: Credit Card Company will Pull Credit Report Inquiry to Verify IdentityPosted: Fri Jul 21, 2006 8:11 pm this all happened 2 years back , when i had no clue what i was doing , but now i am an expert .....just kidding... Tom ,you are so very right about the car dealerships, they will do whatever to get you approved ...and the stupid custommer thank the salesman afterward ....then they get home and find 10 inq.....
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Guest: Evilbunny Posted: Sat Jul 22, 2006 11:51 am Another thing that people may not be aware of. Banks (at least Chase) can and will pull a credit report to verify your identity. this is done as a last resort, but these are hard pulls to verify employment and other tradelines. just a heads up. if they ask you funky questions about people you are related to, or the color of the beamer that you drive, answer them! because if you cant verify, they will pull a credit report, and they are not required to tell you. also, chase NEVER increases credit limits on request without a hard pull. Last edited by Evilbunny on Sat Jul 22, 2006 12:32 pm; edited 1 time in total
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Jul 22, 2006 12:22 pm Quote: chase NEVER increases credit limits without a hard pull I've had routine CLIs from Chase over the years without a hard pull. Is that a new policy? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Evilbunny Posted: Sat Jul 22, 2006 12:26 pm .. how did you request it? if you bully your way thru to the lending department, unless they have a recent report to go off of, they would still need a pull how long has it been since you got one without a hit? if its automatic, no inquiry, but a requested one needs a pull
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Trusted Company not to Pull Hard Inquiry on my Credit Report
Guest: spjoink Credit Expert (100+ Posts) Post subject: Trusted Company not to Pull Hard Inquiry on my Credit ReportPosted: Fri Jul 21, 2006 3:34 pm holly Gamolly....yeah ,well...its actually a bunch of real estate inquries when i was shopping for a loan , and then its the same when i shopped for a carloan , 15 of them are falling off in 3 months ...buts it still way too many...my score is 739 on experian...wonder what i would have been if i didnt have all this inq
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 3:40 pm SP... this is a common circumstance. Actually, can we make a sticky that warns people not to trust ANY company employee about what kind of pull their company makes??? Or how about one that tells people to assume that all pulls will be hard. Say.... If its not worth a hard pull then dont do it. Or if you can;t afford a hard pull then dont do it. Then if it comes up as a soft...BONUS..and if its hard....well.....you expected it. _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 6:28 pm agree with you Tom , lets start a thread ....by the way Chase cra are kind of always kinda strange compared to citi and bof a
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Fri Jul 21, 2006 6:35 pm [quote="mouse"]AFTER 12 MONTHS THEY ARE NOT SUPPOSED TO HURT[/quote] Mortgage FICO score speaking..yea. Credit card FICO score speaking - it hurts. And it hurts upon manual review as well. Several mortgage INQ in a short time should count as 1. The same is not true for auto loans. One should be VERY careful about giving a dealership their info because they may fing 10-30 INQ hit their report(s). _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Numerous Inquiries on my Credit Report
Guest: fenster Credit Expert (100+ Posts) Post subject: Numerous Inquiries on my Credit Report Posted: Thu Jul 20, 2006 11:36 pm With 28 inquiries before you were hit one more time, what difference does it make? Whoever pulls Experian won't like you with that kinda load. In terms of TU pulling, BofA likes to pull TU, especially in California, WAMU pulls TU as well. Most non major and local California banks pull TU. California is good for TU pullin' and the serf. _________________ beware of everything
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Guest: spjoink Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 11:40 pm well that load is 2 years long and its a lots of real estate inquiries that count as one .....by the way b of a approved me last month but they also pulled experian ,,,i have also heard wamu pulls transunion..
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 11:43 pm AFTER 12 MONTHS THEY ARE NOT SUPPOSED TO HURT
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Guest: davensd Posted: Fri Jul 21, 2006 10:44 am [quote="spjoink"]she and i discussed the matter in details..she assured me it would be no pull. i now have 29 inquiries on experian the last 2 yars...i have one transunion and nine eqifax, i need a card that pulls trans in southern california, looking for a 0% bt offer..any suggestion[/quote] 29 inquiries !! Holy Gamoly..
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Problem with my Chase Credit Card Account
Guest: spjoink Credit Expert (100+ Posts) Post subject: Problem with my Chase Credit Card AccountPosted: Thu Jul 20, 2006 10:34 pm I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said..."it will NOT be a hard pull.....i was denied ...today i saw they pulled an experian hard hit anyway,,What can i do ...its just not right to lie to a good customer...my limit is $16500.00 and i have a balance of $309...i am very upset about this.... What you guys think?
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 10:52 pm No one lied to you. The CSR just didn't know. Lots of them are ignorant. They try to be helpful. As to what to do? Forget about it. It's not important. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: spjoink Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 11:10 pm she and i discussed the matter in details..she assured me it would be no pull. i now have 29 inquiries on experian the last 2 yars...i have one transunion and nine eqifax, i need a card that pulls trans in southern california, looking for a 0% bt offer..any suggestion
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 11:29 pm Quote: "spjoink" I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said..."it will NOT be a hard pull.....i was denied ...today i saw they pulled an experian hard hit anyway,,What can i do ...its just not right to lie to a good customer...my limit is $16500.00 and i have a balance of $309...i am very upset about this.... What you guys think? You may be able to dispute it with the CRA
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